Call reports 2025
WATERTOWN SAVINGS BANK — 2025
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,498,349,000 | 1,476,527,000 | 1,467,941,000 | 1,434,762,000 |
| Total loans | 624,679,000 | 627,629,000 | 636,788,000 | 636,852,000 |
| Allowance for loan losses | 1,903,000 | 1,900,000 | 1,895,000 | 1,894,000 |
| Securities available for sale | 428,957,000 | 416,991,000 | 404,824,000 | 416,434,000 |
| Securities held to maturity | 265,373,000 | 244,096,000 | 237,242,000 | 193,382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,326,113,000 | 1,299,869,000 | 1,287,225,000 | 1,249,974,000 |
| Interest-bearing deposits | 1,216,728,000 | 1,197,198,000 | 1,184,927,000 | 1,146,394,000 |
| Noninterest-bearing deposits | 109,385,000 | 102,671,000 | 102,298,000 | 103,580,000 |
| Equity capital | 153,639,000 | 157,946,000 | 161,783,000 | 165,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,549,000 | 27,510,000 | 41,596,000 | 55,524,000 |
| Interest expense | 4,769,000 | 9,557,000 | 14,374,000 | 18,723,000 |
| Net interest income | 8,780,000 | 17,953,000 | 27,222,000 | 36,801,000 |
| Noninterest income | 883,000 | 1,749,000 | 2,616,000 | 3,668,000 |
| Noninterest expense | 7,028,000 | 13,903,000 | 20,970,000 | 28,817,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,635,000 | 5,799,000 | 8,868,000 | 11,652,000 |
| Income tax | 579,000 | 1,300,000 | 1,989,000 | 2,558,000 |
| Net income | 2,056,000 | 4,499,000 | 6,879,000 | 9,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 161,448,000 | 163,891,000 | 166,271,000 | 168,485,000 |
| Total capital | 163,371,000 | 165,811,000 | 168,186,000 | 170,399,000 |
| Risk-weighted assets | 586,148,000 | 587,914,000 | 587,514,000 | 586,248,000 |