Call reports 2019
WATERTOWN SAVINGS BANK — 2019
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 675,454,000 | 677,894,000 | 690,979,000 | 676,044,000 |
| Total loans | 440,504,000 | 451,075,000 | 450,550,000 | 453,684,000 |
| Allowance for loan losses | 4,377,000 | 4,513,000 | 4,558,000 | 4,710,000 |
| Securities available for sale | 115,628,000 | 111,407,000 | 103,652,000 | 93,109,000 |
| Securities held to maturity | 7,725,000 | 7,556,000 | 5,840,000 | 4,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 566,361,000 | 565,505,000 | 575,654,000 | 560,404,000 |
| Interest-bearing deposits | 360,108,000 | 358,093,000 | 356,537,000 | 355,044,000 |
| Noninterest-bearing deposits | 206,253,000 | 207,412,000 | 219,117,000 | 205,360,000 |
| Equity capital | 104,293,000 | 107,220,000 | 110,001,000 | 110,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,272,000 | 12,717,000 | 19,255,000 | 25,722,000 |
| Interest expense | 305,000 | 631,000 | 982,000 | 1,345,000 |
| Net interest income | 5,967,000 | 12,086,000 | 18,273,000 | 24,377,000 |
| Noninterest income | 1,064,000 | 2,186,000 | 3,335,000 | 4,499,000 |
| Noninterest expense | 3,927,000 | 7,915,000 | 11,984,000 | 17,493,000 |
| Provision for loan losses | 275,000 | 434,000 | 640,000 | 1,549,000 |
| Pretax income | 2,824,000 | 5,912,000 | 8,998,000 | 9,848,000 |
| Income tax | 699,000 | 1,439,000 | 1,836,000 | 2,017,000 |
| Net income | 2,125,000 | 4,473,000 | 7,162,000 | 7,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,557,000 | 94,698,000 | 97,444,000 | 98,144,000 |
| Total capital | 96,934,000 | 99,211,000 | 102,002,000 | 102,854,000 |
| Risk-weighted assets | 492,428,000 | 488,598,000 | 494,772,000 | 475,524,000 |