Call reports 2026
WATERTOWN SAVINGS BANK — 2026
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 970,247,000 | 970,986,000 |
| Total loans | 583,001,000 | 593,672,000 |
| Allowance for loan losses | 6,713,000 | 6,961,000 |
| Securities available for sale | 220,277,000 | 215,042,000 |
| Securities held to maturity | 14,378,000 | 14,708,000 |
| Trading assets | 0 | 0 |
| Total deposits | 787,879,000 | 784,288,000 |
| Interest-bearing deposits | 439,610,000 | 430,392,000 |
| Noninterest-bearing deposits | 348,269,000 | 353,896,000 |
| Equity capital | 173,697,000 | 177,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 10,780,000 | 22,260,000 |
| Interest expense | 962,000 | 1,853,000 |
| Net interest income | 9,818,000 | 20,407,000 |
| Noninterest income | 1,190,000 | 2,418,000 |
| Noninterest expense | 5,475,000 | 11,202,000 |
| Provision for loan losses | 332,000 | 763,000 |
| Pretax income | 5,311,000 | 11,141,000 |
| Income tax | 785,000 | 2,016,000 |
| Net income | 4,526,000 | 9,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 162,154,000 | 166,752,000 |