Call reports 2011
WATERSTONE BANK — 2011
What WATERSTONE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,755,785,000 | 1,718,154,000 | 1,737,255,000 | 1,707,723,000 |
| Total loans | 1,303,484,000 | 1,298,022,000 | 1,325,597,000 | 1,304,947,000 |
| Allowance for loan losses | 32,094,000 | 33,986,000 | 34,769,000 | 32,430,000 |
| Securities available for sale | 201,015,000 | 201,785,000 | 198,247,000 | 197,482,000 |
| Securities held to maturity | 2,648,000 | 2,648,000 | 2,648,000 | 2,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,142,176,000 | 1,103,623,000 | 1,102,414,000 | 1,071,660,000 |
| Interest-bearing deposits | 1,133,096,000 | 1,095,589,000 | 1,075,785,000 | 1,030,992,000 |
| Noninterest-bearing deposits | 9,080,000 | 8,034,000 | 26,629,000 | 40,668,000 |
| Equity capital | 165,054,000 | 164,795,000 | 165,081,000 | 160,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 20,290,000 | 40,120,000 | 59,664,000 | 79,202,000 |
| Interest expense | 8,400,000 | 16,559,000 | 24,644,000 | 32,801,000 |
| Net interest income | 11,890,000 | 23,561,000 | 35,020,000 | 46,401,000 |
| Noninterest income | 6,819,000 | 16,116,000 | 28,724,000 | 38,873,000 |
| Noninterest expense | 15,427,000 | 32,678,000 | 51,144,000 | 70,482,000 |
| Provision for loan losses | 4,875,000 | 10,156,000 | 16,162,000 | 22,077,000 |
| Pretax income | -1,593,000 | -3,209,000 | -3,613,000 | -7,688,000 |
| Income tax | 39,000 | -736,000 | -672,000 | 562,000 |
| Net income | -1,632,000 | -2,473,000 | -2,941,000 | -8,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,367,000 | 162,945,000 | 162,891,000 | 158,994,000 |
| Total capital | 178,983,000 | 178,339,000 | 178,394,000 | 174,144,000 |
| Risk-weighted assets | 1,232,867,000 | 1,212,958,000 | 1,221,048,000 | 1,194,738,000 |
Machine access — free, no API key
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