Call reports 2007
WATERTOWN SAVINGS BANK — 2007
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 290,038,000 | 292,724,000 | 296,031,000 | 293,873,000 |
| Total loans | 141,316,000 | 147,547,000 | 147,764,000 | 149,965,000 |
| Allowance for loan losses | 1,227,000 | 1,233,000 | 1,228,000 | 1,420,000 |
| Securities available for sale | 15,915,000 | 22,473,000 | 21,688,000 | 20,165,000 |
| Securities held to maturity | 83,550,000 | 81,312,000 | 82,704,000 | 82,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,751,000 | 244,657,000 | 247,807,000 | 244,964,000 |
| Interest-bearing deposits | 185,306,000 | 185,253,000 | 187,966,000 | 187,510,000 |
| Noninterest-bearing deposits | 57,445,000 | 59,404,000 | 59,841,000 | 57,454,000 |
| Equity capital | 45,308,000 | 46,220,000 | 46,928,000 | 46,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,502,000 | 7,111,000 | 10,811,000 | 15,859,000 |
| Interest expense | 1,256,000 | 2,593,000 | 3,985,000 | 5,370,000 |
| Net interest income | 2,246,000 | 4,518,000 | 6,826,000 | 10,489,000 |
| Noninterest income | 517,000 | 1,076,000 | 1,653,000 | 2,271,000 |
| Noninterest expense | 1,978,000 | 4,013,000 | 6,097,000 | 8,671,000 |
| Provision for loan losses | 15,000 | 24,000 | 33,000 | 240,000 |
| Pretax income | 770,000 | 1,557,000 | 2,354,000 | 3,854,000 |
| Income tax | 206,000 | 435,000 | 679,000 | 1,301,000 |
| Net income | 564,000 | 1,122,000 | 1,675,000 | 2,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,147,000 | 45,277,000 | 46,056,000 | 45,390,000 |
| Total capital | 45,374,000 | 46,510,000 | 47,284,000 | 46,810,000 |
| Risk-weighted assets | 183,056,000 | 189,010,000 | 189,464,000 | 193,595,000 |
Machine access — free, no API key
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