Call reports 2025
WATERTOWN SAVINGS BANK — 2025
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 925,416,000 | 930,496,000 | 948,966,000 | 941,392,000 |
| Total loans | 566,319,000 | 573,835,000 | 576,608,000 | 582,997,000 |
| Allowance for loan losses | 5,990,000 | 6,183,000 | 6,243,000 | 6,583,000 |
| Securities available for sale | 203,829,000 | 196,055,000 | 206,510,000 | 206,198,000 |
| Securities held to maturity | 16,120,000 | 15,881,000 | 15,379,000 | 14,687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 760,201,000 | 759,893,000 | 773,156,000 | 762,649,000 |
| Interest-bearing deposits | 424,002,000 | 419,924,000 | 430,169,000 | 428,870,000 |
| Noninterest-bearing deposits | 336,199,000 | 339,969,000 | 342,987,000 | 333,779,000 |
| Equity capital | 158,567,000 | 163,365,000 | 168,410,000 | 169,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,591,000 | 19,758,000 | 30,417,000 | 41,415,000 |
| Interest expense | 888,000 | 1,803,000 | 2,722,000 | 3,663,000 |
| Net interest income | 8,703,000 | 17,955,000 | 27,695,000 | 37,752,000 |
| Noninterest income | 1,163,000 | 2,381,000 | 3,487,000 | 4,761,000 |
| Noninterest expense | 5,181,000 | 10,500,000 | 16,078,000 | 25,556,000 |
| Provision for loan losses | 232,000 | 477,000 | 634,000 | 1,051,000 |
| Pretax income | 4,664,000 | 9,459,000 | 14,795,000 | 16,087,000 |
| Income tax | 792,000 | 1,796,000 | 2,916,000 | 3,541,000 |
| Net income | 3,872,000 | 7,663,000 | 11,879,000 | 12,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,950,000 | 152,744,000 | 156,960,000 | 157,628,000 |
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