Call reports 2009
WATERSTONE BANK — 2009
What WATERSTONE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,917,207,000 | 1,920,335,000 | 1,900,933,000 | 1,858,067,000 |
| Total loans | 1,563,631,000 | 1,511,530,000 | 1,498,022,000 | 1,465,062,000 |
| Allowance for loan losses | 28,839,000 | 25,638,000 | 31,498,000 | 28,494,000 |
| Securities available for sale | 176,816,000 | 189,382,000 | 202,470,000 | 205,170,000 |
| Securities held to maturity | 9,938,000 | 9,938,000 | 2,648,000 | 2,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,234,074,000 | 1,227,820,000 | 1,216,148,000 | 1,178,232,000 |
| Interest-bearing deposits | 1,227,047,000 | 1,209,395,000 | 1,191,428,000 | 1,159,322,000 |
| Noninterest-bearing deposits | 7,027,000 | 18,425,000 | 24,720,000 | 18,910,000 |
| Equity capital | 163,527,000 | 165,851,000 | 165,069,000 | 163,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 24,981,000 | 49,772,000 | 74,425,000 | 98,419,000 |
| Interest expense | 14,683,000 | 29,023,000 | 42,427,000 | 54,494,000 |
| Net interest income | 10,298,000 | 20,749,000 | 31,998,000 | 43,925,000 |
| Noninterest income | 1,263,000 | 5,383,000 | 8,590,000 | 10,022,000 |
| Noninterest expense | 7,838,000 | 17,807,000 | 27,194,000 | 38,746,000 |
| Provision for loan losses | 7,201,000 | 10,202,000 | 19,055,000 | 26,687,000 |
| Pretax income | -4,385,000 | -2,989,000 | -6,773,000 | -12,586,000 |
| Income tax | -577,000 | -84,000 | -84,000 | -1,385,000 |
| Net income | -3,808,000 | -2,905,000 | -6,689,000 | -11,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 167,835,000 | 169,164,000 | 165,805,000 | 164,693,000 |
| Total capital | 186,837,000 | 190,178,000 | 181,723,000 | 181,344,000 |
| Risk-weighted assets | 1,510,365,000 | 1,676,551,000 | 1,311,418,000 | 1,319,492,000 |
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