Call reports 2008
WATERTOWN SAVINGS BANK — 2008
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 298,168,000 | 386,009,000 | 383,553,000 | 374,594,000 |
| Total loans | 149,270,000 | 211,594,000 | 210,044,000 | 207,267,000 |
| Allowance for loan losses | 1,418,000 | 1,717,000 | 1,630,000 | 1,606,000 |
| Securities available for sale | 40,347,000 | 56,648,000 | 56,775,000 | 47,299,000 |
| Securities held to maturity | 40,876,000 | 37,930,000 | 37,904,000 | 35,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,096,000 | 333,001,000 | 330,389,000 | 322,172,000 |
| Interest-bearing deposits | 189,319,000 | 244,750,000 | 240,256,000 | 239,649,000 |
| Noninterest-bearing deposits | 59,777,000 | 88,251,000 | 90,133,000 | 82,523,000 |
| Equity capital | 47,102,000 | 50,113,000 | 50,771,000 | 49,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,546,000 | 7,138,000 | 11,474,000 | 15,889,000 |
| Interest expense | 1,323,000 | 2,594,000 | 4,156,000 | 5,561,000 |
| Net interest income | 2,223,000 | 4,544,000 | 7,318,000 | 10,328,000 |
| Noninterest income | 608,000 | 1,270,000 | 2,049,000 | 2,780,000 |
| Noninterest expense | 2,079,000 | 3,973,000 | 6,829,000 | 10,047,000 |
| Provision for loan losses | 2,000 | 351,000 | 353,000 | 391,000 |
| Pretax income | 750,000 | 1,490,000 | 2,185,000 | 2,829,000 |
| Income tax | 212,000 | 435,000 | 637,000 | 829,000 |
| Net income | 538,000 | 1,055,000 | 1,548,000 | 2,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,104,000 | 33,413,000 | 34,753,000 | 33,027,000 |
| Total capital | 46,522,000 | 35,130,000 | 36,383,000 | 34,633,000 |
| Risk-weighted assets | 197,102,000 | 276,274,000 | 276,946,000 | 275,007,000 |
Machine access — free, no API key
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