Call reports 2011
WATERTOWN SAVINGS BANK — 2011
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 437,099,000 | 447,594,000 | 452,715,000 | 453,902,000 |
| Total loans | 238,909,000 | 246,080,000 | 248,773,000 | 256,830,000 |
| Allowance for loan losses | 2,033,000 | 2,129,000 | 2,458,000 | 2,580,000 |
| Securities available for sale | 51,383,000 | 41,092,000 | 53,179,000 | 64,697,000 |
| Securities held to maturity | 52,581,000 | 62,629,000 | 39,609,000 | 38,848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,430,000 | 385,350,000 | 389,245,000 | 389,675,000 |
| Interest-bearing deposits | 277,804,000 | 281,144,000 | 282,125,000 | 284,231,000 |
| Noninterest-bearing deposits | 98,626,000 | 104,206,000 | 107,120,000 | 105,444,000 |
| Equity capital | 57,610,000 | 58,820,000 | 59,600,000 | 61,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,943,000 | 7,995,000 | 12,075,000 | 16,493,000 |
| Interest expense | 599,000 | 1,153,000 | 1,638,000 | 2,098,000 |
| Net interest income | 3,344,000 | 6,842,000 | 10,437,000 | 14,395,000 |
| Noninterest income | 925,000 | 1,934,000 | 3,035,000 | 4,172,000 |
| Noninterest expense | 2,859,000 | 5,737,000 | 8,576,000 | 12,074,000 |
| Provision for loan losses | 82,000 | 195,000 | 546,000 | 735,000 |
| Pretax income | 1,343,000 | 2,861,000 | 4,450,000 | 5,626,000 |
| Income tax | 478,000 | 1,021,000 | 1,371,000 | 1,755,000 |
| Net income | 865,000 | 1,840,000 | 3,079,000 | 3,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,117,000 | 45,614,000 | 46,198,000 | 47,686,000 |
| Total capital | 46,150,000 | 47,743,000 | 48,656,000 | 50,266,000 |
| Risk-weighted assets | 341,296,000 | 353,861,000 | 360,767,000 | 372,961,000 |
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