Call reports 2020
WATERTOWN SAVINGS BANK — 2020
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 711,389,000 | 800,957,000 | 840,628,000 | 824,492,000 |
| Total loans | 455,459,000 | 509,342,000 | 512,999,000 | 492,211,000 |
| Allowance for loan losses | 4,782,000 | 4,991,000 | 5,534,000 | 5,940,000 |
| Securities available for sale | 115,632,000 | 119,849,000 | 128,107,000 | 120,003,000 |
| Securities held to maturity | 4,851,000 | 7,720,000 | 12,822,000 | 14,730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 592,951,000 | 677,759,000 | 714,483,000 | 697,564,000 |
| Interest-bearing deposits | 380,449,000 | 396,152,000 | 426,111,000 | 412,398,000 |
| Noninterest-bearing deposits | 212,502,000 | 281,607,000 | 288,372,000 | 285,166,000 |
| Equity capital | 112,848,000 | 115,110,000 | 117,500,000 | 118,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,203,000 | 12,689,000 | 19,233,000 | 25,941,000 |
| Interest expense | 336,000 | 614,000 | 845,000 | 1,054,000 |
| Net interest income | 5,867,000 | 12,075,000 | 18,388,000 | 24,887,000 |
| Noninterest income | 1,100,000 | 2,121,000 | 3,514,000 | 4,883,000 |
| Noninterest expense | 4,180,000 | 8,580,000 | 12,898,000 | 18,880,000 |
| Provision for loan losses | 303,000 | 607,000 | 1,248,000 | 1,780,000 |
| Pretax income | 2,183,000 | 4,859,000 | 7,647,000 | 9,214,000 |
| Income tax | 361,000 | 984,000 | 1,375,000 | 1,837,000 |
| Net income | 1,822,000 | 3,875,000 | 6,272,000 | 7,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,966,000 | 102,020,000 | 104,416,000 | 105,521,000 |
| Total capital | 104,748,000 | — | — | — |
| Risk-weighted assets | 479,939,000 | — | — | — |
Machine access — free, no API key
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