Call reports 2015
WATERSTONE BANK — 2015
What WATERSTONE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,761,441,000 | 1,733,355,000 | 1,741,040,000 | 1,758,212,000 |
| Total loans | 1,229,606,000 | 1,302,509,000 | 1,242,449,000 | 1,281,450,000 |
| Allowance for loan losses | 17,767,000 | 18,360,000 | 16,928,000 | 16,185,000 |
| Securities available for sale | 277,180,000 | 269,908,000 | 264,042,000 | 287,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 963,245,000 | 919,537,000 | 929,631,000 | 947,147,000 |
| Interest-bearing deposits | 940,297,000 | 885,434,000 | 910,986,000 | 908,898,000 |
| Noninterest-bearing deposits | 22,948,000 | 34,103,000 | 18,645,000 | 38,249,000 |
| Equity capital | 350,846,000 | 352,547,000 | 357,797,000 | 359,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 15,171,000 | 31,088,000 | 46,999,000 | 62,593,000 |
| Interest expense | 5,627,000 | 11,338,000 | 17,235,000 | 23,213,000 |
| Net interest income | 9,544,000 | 19,750,000 | 29,764,000 | 39,380,000 |
| Noninterest income | 21,686,000 | 51,962,000 | 80,148,000 | 102,213,000 |
| Noninterest expense | 26,317,000 | 57,638,000 | 87,209,000 | 114,013,000 |
| Provision for loan losses | 335,000 | 1,140,000 | 1,720,000 | 1,965,000 |
| Pretax income | 4,622,000 | 12,978,000 | 21,027,000 | 25,659,000 |
| Income tax | 1,654,000 | 4,683,000 | 7,562,000 | 9,146,000 |
| Net income | 2,968,000 | 8,295,000 | 13,465,000 | 16,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 347,800,000 | 351,912,000 | 356,075,000 | 359,284,000 |
| Total capital | 361,856,000 | 366,571,000 | 370,804,000 | 374,435,000 |
| Risk-weighted assets | 1,120,771,000 | 1,169,040,000 | 1,176,150,000 | 1,211,061,000 |