Call reports 2015
WATERTOWN SAVINGS BANK — 2015
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 587,389,000 | 577,657,000 | 595,915,000 | 587,716,000 |
| Total loans | 356,058,000 | 360,052,000 | 368,205,000 | 373,358,000 |
| Allowance for loan losses | 3,808,000 | 3,812,000 | 3,866,000 | 3,888,000 |
| Securities available for sale | 90,261,000 | 88,606,000 | 90,983,000 | 91,901,000 |
| Securities held to maturity | 24,035,000 | 21,007,000 | 18,849,000 | 15,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,331,000 | 492,442,000 | 508,982,000 | 500,338,000 |
| Interest-bearing deposits | 340,478,000 | 338,305,000 | 347,114,000 | 342,322,000 |
| Noninterest-bearing deposits | 137,853,000 | 154,137,000 | 161,868,000 | 158,016,000 |
| Equity capital | 79,954,000 | 81,144,000 | 82,287,000 | 83,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,737,000 | 9,592,000 | 14,670,000 | 19,705,000 |
| Interest expense | 255,000 | 519,000 | 782,000 | 1,045,000 |
| Net interest income | 4,482,000 | 9,073,000 | 13,888,000 | 18,660,000 |
| Noninterest income | 1,095,000 | 2,149,000 | 3,276,000 | 4,372,000 |
| Noninterest expense | 3,322,000 | 6,691,000 | 10,073,000 | 14,248,000 |
| Provision for loan losses | 84,000 | 163,000 | 248,000 | 375,000 |
| Pretax income | 2,190,000 | 4,446,000 | 6,907,000 | 8,611,000 |
| Income tax | 802,000 | 1,611,000 | 2,506,000 | 3,059,000 |
| Net income | 1,388,000 | 2,835,000 | 4,401,000 | 5,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,549,000 | 69,005,000 | 69,487,000 | 71,198,000 |
| Total capital | 71,380,000 | 72,817,000 | 73,353,000 | 75,086,000 |
| Risk-weighted assets | 460,902,000 | 456,306,000 | 446,944,000 | 456,906,000 |