Call reports 2021
WATERTOWN SAVINGS BANK — 2021
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 934,808,000 | 949,991,000 | 978,144,000 | 995,605,000 |
| Total loans | 514,144,000 | 503,678,000 | 488,362,000 | 482,070,000 |
| Allowance for loan losses | 6,072,000 | 6,471,000 | 6,399,000 | 6,376,000 |
| Securities available for sale | 154,983,000 | 163,061,000 | 208,967,000 | 272,548,000 |
| Securities held to maturity | 13,162,000 | 15,528,000 | 22,572,000 | 19,653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 807,097,000 | 820,907,000 | 846,267,000 | 864,011,000 |
| Interest-bearing deposits | 473,133,000 | 482,545,000 | 497,128,000 | 505,072,000 |
| Noninterest-bearing deposits | 333,964,000 | 338,362,000 | 349,139,000 | 358,939,000 |
| Equity capital | 120,603,000 | 123,177,000 | 126,205,000 | 126,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,479,000 | 12,928,000 | 19,700,000 | 26,186,000 |
| Interest expense | 175,000 | 351,000 | 521,000 | 678,000 |
| Net interest income | 6,304,000 | 12,577,000 | 19,179,000 | 25,508,000 |
| Noninterest income | 1,280,000 | 2,561,000 | 3,996,000 | 5,231,000 |
| Noninterest expense | 4,211,000 | 8,777,000 | 13,455,000 | 19,318,000 |
| Provision for loan losses | 205,000 | 246,000 | 231,000 | 238,000 |
| Pretax income | 3,270,000 | 6,400,000 | 9,709,000 | 11,388,000 |
| Income tax | 677,000 | 1,471,000 | 1,750,000 | 2,098,000 |
| Net income | 2,593,000 | 4,929,000 | 7,959,000 | 9,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,114,000 | 110,450,000 | 113,480,000 | 114,811,000 |
Machine access — free, no API key
Every figure shown here about WATERTOWN SAVINGS BANK — 2021 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.