Call reports 2021
WATERTOWN SAVINGS BANK — 2021
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,433,858,000 | 1,451,233,000 | 1,464,599,000 | 1,499,175,000 |
| Total loans | 598,988,000 | 586,329,000 | 577,388,000 | 551,974,000 |
| Allowance for loan losses | 4,183,000 | 4,182,000 | 4,181,000 | 4,178,000 |
| Securities available for sale | 418,625,000 | 494,291,000 | 524,297,000 | 562,293,000 |
| Securities held to maturity | 198,431,000 | 173,924,000 | 150,587,000 | 161,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,284,463,000 | 1,298,107,000 | 1,307,103,000 | 1,346,095,000 |
| Interest-bearing deposits | 1,166,597,000 | 1,178,680,000 | 1,183,088,000 | 1,196,536,000 |
| Noninterest-bearing deposits | 117,866,000 | 119,427,000 | 124,015,000 | 149,559,000 |
| Equity capital | 129,444,000 | 130,320,000 | 133,156,000 | 130,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,488,000 | 15,037,000 | 22,735,000 | 30,420,000 |
| Interest expense | 757,000 | 1,459,000 | 2,101,000 | 2,710,000 |
| Net interest income | 6,731,000 | 13,578,000 | 20,634,000 | 27,710,000 |
| Noninterest income | 810,000 | 1,918,000 | 2,806,000 | 3,765,000 |
| Noninterest expense | 6,642,000 | 13,400,000 | 20,003,000 | 26,956,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 899,000 | 2,096,000 | 3,437,000 | 4,519,000 |
| Income tax | 223,000 | 429,000 | 605,000 | 795,000 |
| Net income | 676,000 | 1,667,000 | 2,832,000 | 3,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,126,000 | 139,117,000 | 140,282,000 | 141,174,000 |
| Total capital | 142,309,000 | 143,299,000 | 144,463,000 | 145,352,000 |
| Risk-weighted assets | 541,203,000 | 546,129,000 | 543,089,000 | 539,527,000 |