Call reports 2022
WATERTOWN SAVINGS BANK — 2022
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,012,808,000 | 965,303,000 | 962,753,000 | 923,496,000 |
| Total loans | 473,354,000 | 487,546,000 | 485,594,000 | 495,171,000 |
| Allowance for loan losses | 6,341,000 | 6,294,000 | 5,857,000 | 5,320,000 |
| Securities available for sale | 292,652,000 | 297,722,000 | 280,058,000 | 276,925,000 |
| Securities held to maturity | 18,765,000 | 18,295,000 | 18,488,000 | 17,806,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 886,604,000 | 840,621,000 | 841,594,000 | 799,181,000 |
| Interest-bearing deposits | 533,381,000 | 486,567,000 | 477,462,000 | 448,558,000 |
| Noninterest-bearing deposits | 353,223,000 | 354,054,000 | 364,132,000 | 350,623,000 |
| Equity capital | 120,612,000 | 118,610,000 | 115,506,000 | 118,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,106,000 | 12,965,000 | 19,732,000 | 26,976,000 |
| Interest expense | 158,000 | 310,000 | 458,000 | 632,000 |
| Net interest income | 5,948,000 | 12,655,000 | 19,274,000 | 26,344,000 |
| Noninterest income | 1,429,000 | 2,699,000 | 4,359,000 | 5,653,000 |
| Noninterest expense | 4,607,000 | 9,238,000 | 13,856,000 | 19,863,000 |
| Provision for loan losses | 7,000 | 10,000 | 318,000 | 450,000 |
| Pretax income | 2,779,000 | 5,871,000 | 8,827,000 | 10,982,000 |
| Income tax | 415,000 | 1,113,000 | 1,522,000 | 2,167,000 |
| Net income | 2,364,000 | 4,758,000 | 7,305,000 | 8,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,175,000 | 119,569,000 | 122,116,000 | 123,625,000 |