Call reports 2009
WATERTOWN SAVINGS BANK — 2009
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 388,250,000 | 398,446,000 | 408,491,000 | 406,211,000 |
| Total loans | 208,685,000 | 213,319,000 | 218,981,000 | 220,740,000 |
| Allowance for loan losses | 1,614,000 | 1,622,000 | 1,770,000 | 1,770,000 |
| Securities available for sale | 30,596,000 | 24,190,000 | 31,553,000 | 31,207,000 |
| Securities held to maturity | 43,952,000 | 56,981,000 | 62,743,000 | 61,685,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,290,000 | 343,964,000 | 352,489,000 | 349,880,000 |
| Interest-bearing deposits | 250,542,000 | 254,163,000 | 262,051,000 | 259,454,000 |
| Noninterest-bearing deposits | 84,748,000 | 89,801,000 | 90,438,000 | 90,426,000 |
| Equity capital | 49,723,000 | 50,982,000 | 52,835,000 | 53,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,012,000 | 7,998,000 | 12,038,000 | 16,049,000 |
| Interest expense | 1,230,000 | 2,385,000 | 3,484,000 | 4,459,000 |
| Net interest income | 2,782,000 | 5,613,000 | 8,554,000 | 11,590,000 |
| Noninterest income | 708,000 | 1,488,000 | 2,506,000 | 3,236,000 |
| Noninterest expense | 2,796,000 | 5,780,000 | 8,589,000 | 11,770,000 |
| Provision for loan losses | 32,000 | 77,000 | 228,000 | 279,000 |
| Pretax income | 677,000 | 1,427,000 | 2,490,000 | 3,183,000 |
| Income tax | 231,000 | 392,000 | 392,000 | 679,000 |
| Net income | 446,000 | 1,035,000 | 2,098,000 | 2,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,584,000 | 34,226,000 | 39,378,000 | 39,866,000 |
| Total capital | 34,198,000 | 35,848,000 | 41,148,000 | 41,636,000 |
| Risk-weighted assets | 279,112,000 | 294,424,000 | 279,573,000 | 285,554,000 |
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