Call reports 2022
WATERTOWN SAVINGS BANK — 2022
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,502,036,000 | 1,498,910,000 | 1,486,893,000 | 1,448,597,000 |
| Total loans | 551,561,000 | 573,139,000 | 597,524,000 | 614,852,000 |
| Allowance for loan losses | 4,176,000 | 4,176,000 | 4,172,000 | 4,170,000 |
| Securities available for sale | 338,501,000 | 345,275,000 | 335,284,000 | 306,997,000 |
| Securities held to maturity | 418,427,000 | 405,136,000 | 394,670,000 | 382,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,360,037,000 | 1,359,184,000 | 1,352,481,000 | 1,308,946,000 |
| Interest-bearing deposits | 1,225,355,000 | 1,227,226,000 | 1,218,281,000 | 1,183,330,000 |
| Noninterest-bearing deposits | 134,682,000 | 131,958,000 | 134,200,000 | 125,616,000 |
| Equity capital | 120,710,000 | 116,895,000 | 113,676,000 | 117,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 7,415,000 | 15,243,000 | 23,920,000 | 33,373,000 |
| Interest expense | 557,000 | 1,106,000 | 1,652,000 | 2,326,000 |
| Net interest income | 6,858,000 | 14,137,000 | 22,268,000 | 31,047,000 |
| Noninterest income | 852,000 | 1,662,000 | 2,532,000 | 3,438,000 |
| Noninterest expense | 6,652,000 | 13,148,000 | 19,733,000 | 27,646,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,058,000 | 2,651,000 | 5,067,000 | 6,839,000 |
| Income tax | 150,000 | 531,000 | 1,153,000 | 1,525,000 |
| Net income | 908,000 | 2,120,000 | 3,914,000 | 5,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,083,000 | 143,294,000 | 145,088,000 | 146,487,000 |
| Total capital | 146,259,000 | 147,470,000 | 149,260,000 | 150,657,000 |
| Risk-weighted assets | 547,524,000 | 558,591,000 | 575,132,000 | 590,103,000 |