Call reports 2012
WATERTOWN SAVINGS BANK — 2012
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 473,115,000 | 508,803,000 | 518,426,000 | 512,786,000 |
| Total loans | 264,458,000 | 274,467,000 | 275,459,000 | 280,662,000 |
| Allowance for loan losses | 2,723,000 | 2,782,000 | 2,879,000 | 3,334,000 |
| Securities available for sale | 64,076,000 | 88,990,000 | 89,321,000 | 87,132,000 |
| Securities held to maturity | 34,357,000 | 41,466,000 | 44,348,000 | 41,238,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,567,000 | 440,862,000 | 448,606,000 | 443,079,000 |
| Interest-bearing deposits | 295,836,000 | 315,131,000 | 319,003,000 | 315,863,000 |
| Noninterest-bearing deposits | 110,731,000 | 125,731,000 | 129,603,000 | 127,216,000 |
| Equity capital | 63,034,000 | 64,375,000 | 66,438,000 | 66,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,052,000 | 8,306,000 | 12,618,000 | 17,448,000 |
| Interest expense | 433,000 | 824,000 | 1,166,000 | 1,489,000 |
| Net interest income | 3,619,000 | 7,482,000 | 11,452,000 | 15,959,000 |
| Noninterest income | 1,322,000 | 2,655,000 | 4,040,000 | 5,400,000 |
| Noninterest expense | 2,889,000 | 5,834,000 | 8,814,000 | 12,539,000 |
| Provision for loan losses | 157,000 | 236,000 | 344,000 | 813,000 |
| Pretax income | 1,888,000 | 4,094,000 | 6,358,000 | 7,841,000 |
| Income tax | 653,000 | 1,430,000 | 2,202,000 | 2,705,000 |
| Net income | 1,235,000 | 2,664,000 | 4,156,000 | 5,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,579,000 | 50,977,000 | 52,814,000 | 53,601,000 |
| Total capital | 52,302,000 | 53,759,000 | 55,693,000 | 56,935,000 |
| Risk-weighted assets | 385,666,000 | 408,328,000 | 417,793,000 | 423,811,000 |