Call reports 2016
WATERSTONE BANK — 2016
What WATERSTONE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,730,982,000 | 1,794,231,000 | 1,790,695,000 | 1,787,453,000 |
| Total loans | 1,219,624,000 | 1,338,843,000 | 1,379,461,000 | 1,403,132,000 |
| Allowance for loan losses | 15,805,000 | 15,705,000 | 15,633,000 | 16,029,000 |
| Securities available for sale | 284,217,000 | 259,796,000 | 251,168,000 | 235,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 959,149,000 | 989,227,000 | 1,014,776,000 | 1,014,177,000 |
| Interest-bearing deposits | 931,595,000 | 960,965,000 | 973,336,000 | 972,223,000 |
| Noninterest-bearing deposits | 27,554,000 | 28,262,000 | 41,440,000 | 41,954,000 |
| Equity capital | 363,850,000 | 371,557,000 | 373,760,000 | 373,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 15,685,000 | 31,791,000 | 48,651,000 | 64,931,000 |
| Interest expense | 5,622,000 | 11,213,000 | 16,228,000 | 20,327,000 |
| Net interest income | 10,063,000 | 20,578,000 | 32,423,000 | 44,604,000 |
| Noninterest income | 21,053,000 | 56,616,000 | 93,008,000 | 123,496,000 |
| Noninterest expense | 24,947,000 | 58,765,000 | 93,858,000 | 125,877,000 |
| Provision for loan losses | 205,000 | 205,000 | 340,000 | 380,000 |
| Pretax income | 5,964,000 | 18,224,000 | 31,233,000 | 41,866,000 |
| Income tax | 2,126,000 | 6,634,000 | 11,507,000 | 15,556,000 |
| Net income | 3,838,000 | 11,590,000 | 19,726,000 | 26,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 361,358,000 | 368,202,000 | 370,575,000 | 373,573,000 |
| Total capital | 376,242,000 | 383,720,000 | 386,208,000 | 389,602,000 |
| Risk-weighted assets | 1,189,835,000 | 1,241,332,000 | 1,305,110,000 | 1,320,681,000 |