Call reports 2017
WATERTOWN SAVINGS BANK — 2017
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 658,982,000 | 641,925,000 | 670,674,000 | 652,553,000 |
| Total loans | 396,764,000 | 404,154,000 | 406,472,000 | 424,558,000 |
| Allowance for loan losses | 4,123,000 | 4,157,000 | 3,822,000 | 4,437,000 |
| Securities available for sale | 121,640,000 | 120,826,000 | 122,538,000 | 123,053,000 |
| Securities held to maturity | 15,616,000 | 14,542,000 | 13,982,000 | 11,979,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,827,000 | 543,750,000 | 571,435,000 | 545,852,000 |
| Interest-bearing deposits | 387,560,000 | 366,321,000 | 387,725,000 | 362,505,000 |
| Noninterest-bearing deposits | 175,267,000 | 177,429,000 | 183,710,000 | 183,347,000 |
| Equity capital | 91,535,000 | 93,369,000 | 94,852,000 | 94,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,160,000 | 10,526,000 | 16,564,000 | 22,258,000 |
| Interest expense | 271,000 | 544,000 | 829,000 | 1,111,000 |
| Net interest income | 4,889,000 | 9,982,000 | 15,735,000 | 21,147,000 |
| Noninterest income | 1,116,000 | 2,246,000 | 3,393,000 | 4,482,000 |
| Noninterest expense | 3,710,000 | 7,240,000 | 10,781,000 | 15,213,000 |
| Provision for loan losses | 84,000 | 417,000 | 1,962,000 | 2,716,000 |
| Pretax income | 2,484,000 | 5,350,000 | 7,151,000 | 8,466,000 |
| Income tax | 825,000 | 1,682,000 | 2,003,000 | 3,462,000 |
| Net income | 1,659,000 | 3,668,000 | 5,148,000 | 5,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,237,000 | 81,261,000 | 82,754,000 | 82,839,000 |
| Total capital | 83,574,000 | 85,418,000 | 86,576,000 | 87,276,000 |
| Risk-weighted assets | 505,569,000 | 504,396,000 | 478,184,000 | 495,803,000 |