Call reports 2010
WATERTOWN SAVINGS BANK — 2010
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 418,460,000 | 438,704,000 | 438,902,000 | 433,923,000 |
| Total loans | 220,391,000 | 228,200,000 | 233,639,000 | 235,624,000 |
| Allowance for loan losses | 1,772,000 | 1,844,000 | 1,875,000 | 1,982,000 |
| Securities available for sale | 34,590,000 | 49,844,000 | 57,665,000 | 48,580,000 |
| Securities held to maturity | 54,193,000 | 46,592,000 | 49,132,000 | 53,138,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,876,000 | 380,740,000 | 379,751,000 | 374,302,000 |
| Interest-bearing deposits | 263,905,000 | 266,385,000 | 277,373,000 | 273,850,000 |
| Noninterest-bearing deposits | 96,971,000 | 114,355,000 | 102,378,000 | 100,452,000 |
| Equity capital | 54,420,000 | 54,484,000 | 55,778,000 | 56,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,979,000 | 7,977,000 | 11,839,000 | 15,910,000 |
| Interest expense | 856,000 | 1,700,000 | 2,534,000 | 3,201,000 |
| Net interest income | 3,123,000 | 6,277,000 | 9,305,000 | 12,709,000 |
| Noninterest income | 745,000 | 1,571,000 | 2,547,000 | 3,622,000 |
| Noninterest expense | 2,967,000 | 5,929,000 | 9,083,000 | 12,425,000 |
| Provision for loan losses | 32,000 | 94,000 | 165,000 | 282,000 |
| Pretax income | 1,002,000 | 2,082,000 | 3,090,000 | 4,083,000 |
| Income tax | 380,000 | 778,000 | 1,024,000 | 1,382,000 |
| Net income | 622,000 | 1,304,000 | 2,066,000 | 2,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,825,000 | 40,617,000 | 41,933,000 | 42,997,000 |
| Total capital | 42,597,000 | 42,461,000 | 43,808,000 | 44,979,000 |
| Risk-weighted assets | 289,059,000 | 304,671,000 | 319,138,000 | 326,082,000 |
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