Call reports 2005
WATERTOWN SAVINGS BANK — 2005
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 287,410,000 | 288,886,000 | 290,331,000 | 284,400,000 |
| Total loans | 126,777,000 | 128,070,000 | 131,013,000 | 131,759,000 |
| Allowance for loan losses | 918,000 | 929,000 | 941,000 | 959,000 |
| Securities available for sale | 14,742,000 | 14,500,000 | 14,556,000 | 13,303,000 |
| Securities held to maturity | 103,080,000 | 105,502,000 | 105,047,000 | 101,126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,540,000 | 246,419,000 | 247,083,000 | 240,298,000 |
| Interest-bearing deposits | 195,486,000 | 193,184,000 | 189,499,000 | 187,410,000 |
| Noninterest-bearing deposits | 50,054,000 | 53,235,000 | 57,584,000 | 52,888,000 |
| Equity capital | 40,607,000 | 41,102,000 | 41,785,000 | 42,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,075,000 | 6,255,000 | 9,476,000 | 13,346,000 |
| Interest expense | 777,000 | 1,591,000 | 2,447,000 | 3,368,000 |
| Net interest income | 2,298,000 | 4,664,000 | 7,029,000 | 9,978,000 |
| Noninterest income | 657,000 | 1,366,000 | 2,192,000 | 2,886,000 |
| Noninterest expense | 2,161,000 | 4,380,000 | 6,581,000 | 9,063,000 |
| Provision for loan losses | 16,000 | 41,000 | 99,000 | 164,000 |
| Pretax income | 778,000 | 1,609,000 | 2,541,000 | 3,637,000 |
| Income tax | 206,000 | 454,000 | 752,000 | 1,160,000 |
| Net income | 572,000 | 1,155,000 | 1,789,000 | 2,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,822,000 | 40,234,000 | 40,926,000 | 41,137,000 |
| Total capital | 40,740,000 | 41,163,000 | 41,867,000 | 42,096,000 |
| Risk-weighted assets | 170,321,000 | 171,720,000 | 174,380,000 | 173,390,000 |
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