Call reports 2013
WATERSTONE BANK — 2013
What WATERSTONE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,622,324,000 | 1,628,495,000 | 1,589,082,000 | 1,937,535,000 |
| Total loans | 1,229,105,000 | 1,238,960,000 | 1,189,360,000 | 1,189,697,000 |
| Allowance for loan losses | 29,298,000 | 27,767,000 | 24,708,000 | 24,264,000 |
| Securities available for sale | 209,171,000 | 205,171,000 | 201,603,000 | 201,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 927,364,000 | 914,751,000 | 898,562,000 | 1,266,827,000 |
| Interest-bearing deposits | 907,795,000 | 895,234,000 | 868,034,000 | 1,234,757,000 |
| Noninterest-bearing deposits | 19,569,000 | 19,517,000 | 30,528,000 | 32,070,000 |
| Equity capital | 199,610,000 | 201,626,000 | 204,917,000 | 205,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 16,242,000 | 32,184,000 | 47,707,000 | 62,941,000 |
| Interest expense | 6,034,000 | 12,004,000 | 17,952,000 | 23,631,000 |
| Net interest income | 10,208,000 | 20,180,000 | 29,755,000 | 39,310,000 |
| Noninterest income | 23,068,000 | 49,638,000 | 70,605,000 | 87,316,000 |
| Noninterest expense | 24,107,000 | 51,562,000 | 75,992,000 | 99,158,000 |
| Provision for loan losses | 1,760,000 | 2,960,000 | 3,960,000 | 4,532,000 |
| Pretax income | 7,400,000 | 15,287,000 | 20,399,000 | 22,927,000 |
| Income tax | 2,898,000 | 5,901,000 | 7,831,000 | 8,459,000 |
| Net income | 4,502,000 | 9,386,000 | 12,568,000 | 14,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 191,736,000 | 197,060,000 | 203,900,000 | 206,364,000 |
| Total capital | 205,635,000 | 211,222,000 | 216,611,000 | 219,146,000 |
| Risk-weighted assets | 1,096,571,000 | 1,119,206,000 | 1,006,439,000 | 1,011,087,000 |
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