Call reports 2014
WATERSTONE BANK — 2014
What WATERSTONE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,757,202,000 | 1,796,227,000 | 1,792,856,000 | 1,777,379,000 |
| Total loans | 1,209,425,000 | 1,289,127,000 | 1,255,912,000 | 1,220,063,000 |
| Allowance for loan losses | 23,391,000 | 21,227,000 | 20,439,000 | 18,706,000 |
| Securities available for sale | 202,651,000 | 269,391,000 | 272,133,000 | 270,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 969,567,000 | 985,458,000 | 1,002,009,000 | 986,950,000 |
| Interest-bearing deposits | 951,409,000 | 959,601,000 | 969,179,000 | 956,637,000 |
| Noninterest-bearing deposits | 18,158,000 | 25,857,000 | 32,830,000 | 30,313,000 |
| Equity capital | 333,222,000 | 337,738,000 | 342,231,000 | 345,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 15,019,000 | 31,168,000 | 47,757,000 | 63,877,000 |
| Interest expense | 5,399,000 | 10,986,000 | 16,720,000 | 22,523,000 |
| Net interest income | 9,620,000 | 20,182,000 | 31,037,000 | 41,354,000 |
| Noninterest income | 16,779,000 | 39,280,000 | 62,724,000 | 82,329,000 |
| Noninterest expense | 23,350,000 | 50,267,000 | 77,044,000 | 103,262,000 |
| Provision for loan losses | 250,000 | 535,000 | 850,000 | 1,150,000 |
| Pretax income | 2,799,000 | 8,643,000 | 15,850,000 | 19,254,000 |
| Income tax | 951,000 | 3,059,000 | 5,627,000 | 6,822,000 |
| Net income | 1,848,000 | 5,584,000 | 10,223,000 | 12,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 332,625,000 | 336,310,000 | 341,247,000 | 343,483,000 |
| Total capital | 345,451,000 | 350,894,000 | 355,586,000 | 357,514,000 |
| Risk-weighted assets | 1,025,229,000 | 1,160,097,000 | 1,141,095,000 | 1,117,853,000 |
Machine access — free, no API key
Every figure shown here about WATERSTONE BANK — 2014 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.