Call reports 2006
WATERTOWN SAVINGS BANK — 2006
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 287,777,000 | 286,736,000 | 282,850,000 | 284,043,000 |
| Total loans | 134,294,000 | 134,463,000 | 136,705,000 | 139,658,000 |
| Allowance for loan losses | 976,000 | 990,000 | 1,007,000 | 1,217,000 |
| Securities available for sale | 13,436,000 | 13,108,000 | 13,902,000 | 13,312,000 |
| Securities held to maturity | 97,655,000 | 94,431,000 | 91,724,000 | 86,634,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,132,000 | 241,615,000 | 236,772,000 | 236,907,000 |
| Interest-bearing deposits | 188,317,000 | 185,565,000 | 181,170,000 | 181,056,000 |
| Noninterest-bearing deposits | 54,815,000 | 56,050,000 | 55,602,000 | 55,851,000 |
| Equity capital | 43,083,000 | 43,481,000 | 44,420,000 | 44,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,328,000 | 6,653,000 | 10,047,000 | 14,917,000 |
| Interest expense | 950,000 | 1,956,000 | 3,038,000 | 4,225,000 |
| Net interest income | 2,378,000 | 4,697,000 | 7,009,000 | 10,692,000 |
| Noninterest income | 636,000 | 1,227,000 | 1,852,000 | 2,414,000 |
| Noninterest expense | 2,114,000 | 4,179,000 | 6,306,000 | 8,787,000 |
| Provision for loan losses | 26,000 | 52,000 | 79,000 | 297,000 |
| Pretax income | 874,000 | 1,693,000 | 2,476,000 | 4,022,000 |
| Income tax | 272,000 | 511,000 | 845,000 | 1,511,000 |
| Net income | 602,000 | 1,182,000 | 1,631,000 | 2,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,181,000 | 42,434,000 | 43,677,000 | 43,968,000 |
| Total capital | 43,157,000 | 43,424,000 | 44,684,000 | 45,185,000 |
| Risk-weighted assets | 176,256,000 | 175,811,000 | 177,267,000 | 179,633,000 |
Machine access — free, no API key
Every figure shown here about WATERTOWN SAVINGS BANK — 2006 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.