Call reports 2012
WATERSTONE BANK — 2012
What WATERSTONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,693,677,000 | 1,675,998,000 | 1,674,406,000 | 1,655,076,000 |
| Total loans | 1,291,179,000 | 1,297,304,000 | 1,283,975,000 | 1,267,285,000 |
| Allowance for loan losses | 33,047,000 | 32,658,000 | 30,967,000 | 31,043,000 |
| Securities available for sale | 204,742,000 | 202,582,000 | 203,489,000 | 199,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,057,596,000 | 1,009,726,000 | 982,505,000 | 961,276,000 |
| Interest-bearing deposits | 1,028,905,000 | 984,287,000 | 954,800,000 | 931,999,000 |
| Noninterest-bearing deposits | 28,691,000 | 25,439,000 | 27,705,000 | 29,277,000 |
| Equity capital | 163,996,000 | 169,870,000 | 178,699,000 | 195,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 18,095,000 | 35,946,000 | 53,296,000 | 69,928,000 |
| Interest expense | 7,708,000 | 14,862,000 | 21,492,000 | 27,871,000 |
| Net interest income | 10,387,000 | 21,084,000 | 31,804,000 | 42,057,000 |
| Noninterest income | 14,434,000 | 35,747,000 | 62,022,000 | 84,819,000 |
| Noninterest expense | 19,420,000 | 43,898,000 | 70,405,000 | 97,062,000 |
| Provision for loan losses | 3,675,000 | 5,100,000 | 7,100,000 | 8,300,000 |
| Pretax income | 1,962,000 | 7,969,000 | 16,349,000 | 21,824,000 |
| Income tax | 30,000 | -124,000 | -64,000 | -11,624,000 |
| Net income | 1,932,000 | 8,093,000 | 16,413,000 | 33,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 161,925,000 | 167,074,000 | 175,321,000 | 184,542,000 |
| Total capital | 177,231,000 | 182,376,000 | 190,762,000 | 199,098,000 |
| Risk-weighted assets | 1,206,741,000 | 1,206,581,000 | 1,219,817,000 | 1,148,055,000 |
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