Call reports 2018
WATERTOWN SAVINGS BANK — 2018
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 657,330,000 | 652,180,000 | 669,681,000 | 654,762,000 |
| Total loans | 425,797,000 | 424,003,000 | 430,286,000 | 438,103,000 |
| Allowance for loan losses | 4,495,000 | 4,062,000 | 4,133,000 | 4,253,000 |
| Securities available for sale | 122,663,000 | 122,149,000 | 118,911,000 | 115,175,000 |
| Securities held to maturity | 11,324,000 | 10,225,000 | 9,152,000 | 8,693,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 558,134,000 | 545,342,000 | 565,385,000 | 543,381,000 |
| Interest-bearing deposits | 372,778,000 | 352,509,000 | 369,550,000 | 347,769,000 |
| Noninterest-bearing deposits | 185,356,000 | 192,833,000 | 195,835,000 | 195,612,000 |
| Equity capital | 95,526,000 | 97,533,000 | 99,331,000 | 100,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,728,000 | 11,607,000 | 17,581,000 | 23,928,000 |
| Interest expense | 293,000 | 592,000 | 872,000 | 1,174,000 |
| Net interest income | 5,435,000 | 11,015,000 | 16,709,000 | 22,754,000 |
| Noninterest income | 1,052,000 | 2,144,000 | 3,277,000 | 4,410,000 |
| Noninterest expense | 3,864,000 | 7,675,000 | 11,465,000 | 16,637,000 |
| Provision for loan losses | 83,000 | 166,000 | 396,000 | 855,000 |
| Pretax income | 2,530,000 | 5,283,000 | 8,090,000 | 9,550,000 |
| Income tax | 424,000 | 1,065,000 | 1,723,000 | 1,994,000 |
| Net income | 2,106,000 | 4,218,000 | 6,367,000 | 7,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,224,000 | 85,351,000 | 87,477,000 | 88,667,000 |
| Total capital | 87,719,000 | 89,413,000 | 91,610,000 | 92,920,000 |
| Risk-weighted assets | 481,562,000 | 482,786,000 | 485,085,000 | 492,154,000 |