Call reports 2010
WATERSTONE BANK — 2010
What WATERSTONE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,837,533,000 | 1,873,495,000 | 1,888,680,000 | 1,803,795,000 |
| Total loans | 1,446,307,000 | 1,449,953,000 | 1,458,914,000 | 1,402,569,000 |
| Allowance for loan losses | 31,630,000 | 34,374,000 | 32,460,000 | 29,175,000 |
| Securities available for sale | 191,653,000 | 201,494,000 | 213,183,000 | 197,877,000 |
| Securities held to maturity | 2,648,000 | 2,648,000 | 2,648,000 | 2,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,190,727,000 | 1,204,359,000 | 1,201,621,000 | 1,166,625,000 |
| Interest-bearing deposits | 1,180,345,000 | 1,196,386,000 | 1,193,188,000 | 1,145,721,000 |
| Noninterest-bearing deposits | 10,382,000 | 7,973,000 | 8,433,000 | 20,904,000 |
| Equity capital | 164,738,000 | 167,364,000 | 167,456,000 | 166,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 23,027,000 | 44,987,000 | 67,406,000 | 89,769,000 |
| Interest expense | 10,598,000 | 20,634,000 | 30,555,000 | 40,210,000 |
| Net interest income | 12,429,000 | 24,353,000 | 36,851,000 | 49,559,000 |
| Noninterest income | 4,318,000 | 10,626,000 | 21,113,000 | 39,584,000 |
| Noninterest expense | 11,326,000 | 23,916,000 | 41,334,000 | 66,104,000 |
| Provision for loan losses | 5,457,000 | 12,488,000 | 18,737,000 | 25,832,000 |
| Pretax income | -47,000 | -1,418,000 | -2,098,000 | -2,738,000 |
| Income tax | 0 | 21,000 | 21,000 | 52,000 |
| Net income | -47,000 | -1,439,000 | -2,119,000 | -2,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 165,067,000 | 164,089,000 | 163,823,000 | 164,568,000 |
| Total capital | 181,039,000 | 180,863,000 | 181,166,000 | 180,718,000 |
| Risk-weighted assets | 1,262,144,000 | 1,324,396,000 | 1,372,345,000 | 1,279,048,000 |
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