Call reports 2013
WATERTOWN SAVINGS BANK — 2013
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 513,424,000 | 514,264,000 | 516,406,000 | 520,261,000 |
| Total loans | 283,639,000 | 297,513,000 | 308,692,000 | 319,777,000 |
| Allowance for loan losses | 3,350,000 | 3,413,000 | 3,470,000 | 3,564,000 |
| Securities available for sale | 91,676,000 | 88,118,000 | 86,415,000 | 81,376,000 |
| Securities held to maturity | 38,813,000 | 33,148,000 | 32,719,000 | 32,656,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,328,000 | 441,375,000 | 441,636,000 | 436,307,000 |
| Interest-bearing deposits | 314,906,000 | 308,403,000 | 308,477,000 | 307,735,000 |
| Noninterest-bearing deposits | 126,422,000 | 132,972,000 | 133,159,000 | 128,572,000 |
| Equity capital | 69,080,000 | 69,614,000 | 71,177,000 | 72,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,190,000 | 8,421,000 | 12,791,000 | 18,063,000 |
| Interest expense | 287,000 | 569,000 | 857,000 | 1,125,000 |
| Net interest income | 3,903,000 | 7,852,000 | 11,934,000 | 16,938,000 |
| Noninterest income | 1,193,000 | 2,294,000 | 3,421,000 | 4,516,000 |
| Noninterest expense | 3,103,000 | 6,165,000 | 9,359,000 | 13,201,000 |
| Provision for loan losses | 80,000 | 164,000 | 227,000 | 333,000 |
| Pretax income | 1,904,000 | 3,867,000 | 5,849,000 | 7,758,000 |
| Income tax | 639,000 | 1,325,000 | 2,014,000 | 2,746,000 |
| Net income | 1,265,000 | 2,542,000 | 3,835,000 | 5,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,706,000 | 57,237,000 | 58,750,000 | 60,337,000 |
| Total capital | 59,056,000 | 60,650,000 | 62,220,000 | 63,901,000 |
| Risk-weighted assets | 430,590,000 | 444,799,000 | 453,701,000 | 458,878,000 |
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