Call reports 2008
WATERSTONE BANK — 2008
What WATERSTONE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,771,794,000 | 1,837,882,000 | 1,889,851,000 | 1,878,003,000 |
| Total loans | 1,451,590,000 | 1,532,090,000 | 1,561,687,000 | 1,572,751,000 |
| Allowance for loan losses | 14,256,000 | 19,446,000 | 26,045,000 | 25,167,000 |
| Securities available for sale | 181,644,000 | 181,781,000 | 179,593,000 | 175,437,000 |
| Securities held to maturity | 9,937,000 | 9,937,000 | 9,938,000 | 9,938,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,116,856,000 | 1,134,967,000 | 1,202,231,000 | 1,212,437,000 |
| Interest-bearing deposits | 1,104,915,000 | 1,112,189,000 | 1,179,220,000 | 1,191,584,000 |
| Noninterest-bearing deposits | 11,941,000 | 22,778,000 | 23,011,000 | 20,853,000 |
| Equity capital | 170,661,000 | 167,043,000 | 160,108,000 | 164,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 24,907,000 | 50,333,000 | 78,469,000 | 104,597,000 |
| Interest expense | 16,258,000 | 31,849,000 | 47,666,000 | 63,328,000 |
| Net interest income | 8,649,000 | 18,484,000 | 30,803,000 | 41,269,000 |
| Noninterest income | 1,375,000 | 2,870,000 | 4,373,000 | 5,470,000 |
| Noninterest expense | 6,963,000 | 14,916,000 | 23,245,000 | 31,730,000 |
| Provision for loan losses | 2,699,000 | 11,025,000 | 34,326,000 | 37,377,000 |
| Pretax income | 362,000 | -4,587,000 | -24,392,000 | -24,365,000 |
| Income tax | -162,000 | -2,936,000 | 2,891,000 | 855,000 |
| Net income | 524,000 | -1,651,000 | -27,283,000 | -25,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 170,399,000 | 166,037,000 | 163,479,000 | 170,101,000 |
| Total capital | 184,655,000 | 185,064,000 | 182,559,000 | 188,527,000 |
| Risk-weighted assets | 1,462,451,000 | 1,522,211,000 | 1,519,479,000 | 1,470,567,000 |
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