Call reports 2016
WATERTOWN SAVINGS BANK — 2016
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 609,993,000 | 614,866,000 | 627,792,000 | 635,649,000 |
| Total loans | 377,792,000 | 384,622,000 | 389,827,000 | 396,300,000 |
| Allowance for loan losses | 3,953,000 | 4,044,000 | 4,091,000 | 4,151,000 |
| Securities available for sale | 101,695,000 | 98,680,000 | 105,514,000 | 114,768,000 |
| Securities held to maturity | 15,635,000 | 14,190,000 | 17,558,000 | 16,423,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 520,583,000 | 523,124,000 | 534,035,000 | 542,138,000 |
| Interest-bearing deposits | 360,597,000 | 356,677,000 | 363,241,000 | 365,467,000 |
| Noninterest-bearing deposits | 159,986,000 | 166,447,000 | 170,794,000 | 176,671,000 |
| Equity capital | 85,261,000 | 87,306,000 | 88,977,000 | 89,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,988,000 | 10,099,000 | 15,228,000 | 20,572,000 |
| Interest expense | 268,000 | 536,000 | 810,000 | 1,087,000 |
| Net interest income | 4,720,000 | 9,563,000 | 14,418,000 | 19,485,000 |
| Noninterest income | 1,078,000 | 2,499,000 | 3,697,000 | 4,783,000 |
| Noninterest expense | 3,416,000 | 6,901,000 | 10,640,000 | 15,088,000 |
| Provision for loan losses | 109,000 | 293,000 | 377,000 | 462,000 |
| Pretax income | 2,274,000 | 4,883,000 | 7,171,000 | 8,896,000 |
| Income tax | 889,000 | 1,804,000 | 2,475,000 | 3,067,000 |
| Net income | 1,385,000 | 3,079,000 | 4,696,000 | 5,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,647,000 | 74,770,000 | 76,439,000 | 77,584,000 |
| Total capital | 76,600,000 | 78,814,000 | 80,589,000 | 81,893,000 |
| Risk-weighted assets | 453,552,000 | 451,327,000 | 455,830,000 | 462,659,000 |