Call reports 2014
WATERTOWN SAVINGS BANK — 2014
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 530,319,000 | 540,801,000 | 552,384,000 | 557,591,000 |
| Total loans | 326,756,000 | 331,802,000 | 340,638,000 | 348,473,000 |
| Allowance for loan losses | 3,632,000 | 3,685,000 | 3,748,000 | 3,728,000 |
| Securities available for sale | 82,625,000 | 85,802,000 | 84,209,000 | 83,762,000 |
| Securities held to maturity | 32,177,000 | 27,321,000 | 27,752,000 | 26,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,839,000 | 460,630,000 | 471,253,000 | 463,294,000 |
| Interest-bearing deposits | 317,734,000 | 325,025,000 | 329,076,000 | 323,360,000 |
| Noninterest-bearing deposits | 129,105,000 | 135,605,000 | 142,177,000 | 139,934,000 |
| Equity capital | 74,338,000 | 76,195,000 | 77,077,000 | 78,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,460,000 | 8,981,000 | 13,577,000 | 18,305,000 |
| Interest expense | 258,000 | 523,000 | 785,000 | 1,050,000 |
| Net interest income | 4,202,000 | 8,458,000 | 12,792,000 | 17,255,000 |
| Noninterest income | 1,371,000 | 2,469,000 | 3,555,000 | 4,752,000 |
| Noninterest expense | 3,205,000 | 6,420,000 | 9,741,000 | 13,680,000 |
| Provision for loan losses | 87,000 | 159,000 | 244,000 | 329,000 |
| Pretax income | 2,307,000 | 4,417,000 | 6,460,000 | 8,233,000 |
| Income tax | 864,000 | 1,602,000 | 2,400,000 | 3,029,000 |
| Net income | 1,443,000 | 2,815,000 | 4,060,000 | 5,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,838,000 | 63,416,000 | 64,674,000 | 65,964,000 |
| Total capital | 65,470,000 | 67,101,000 | 68,422,000 | 69,753,000 |
| Risk-weighted assets | 460,685,000 | 469,948,000 | 478,112,000 | 437,703,000 |
Machine access — free, no API key
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