Call reports 2018
WATERSTONE BANK — 2018
What WATERSTONE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,835,017,000 | 1,873,817,000 | 1,915,322,000 | 1,911,865,000 |
| Total loans | 1,442,311,000 | 1,485,090,000 | 1,550,329,000 | 1,520,763,000 |
| Allowance for loan losses | 13,190,000 | 13,124,000 | 13,226,000 | 13,249,000 |
| Securities available for sale | 189,512,000 | 191,316,000 | 186,369,000 | 198,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,022,719,000 | 1,054,853,000 | 1,070,067,000 | 1,083,912,000 |
| Interest-bearing deposits | 988,115,000 | 1,016,290,000 | 1,024,204,000 | 1,035,240,000 |
| Noninterest-bearing deposits | 34,604,000 | 38,563,000 | 45,863,000 | 48,672,000 |
| Equity capital | 368,068,000 | 373,917,000 | 377,714,000 | 380,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 17,203,000 | 35,880,000 | 55,183,000 | 74,659,000 |
| Interest expense | 3,838,000 | 8,495,000 | 13,704,000 | 19,578,000 |
| Net interest income | 13,365,000 | 27,385,000 | 41,479,000 | 55,081,000 |
| Noninterest income | 24,519,000 | 57,496,000 | 91,296,000 | 116,621,000 |
| Noninterest expense | 29,712,000 | 64,402,000 | 100,817,000 | 132,524,000 |
| Provision for loan losses | -880,000 | -1,100,000 | -1,060,000 | -1,060,000 |
| Pretax income | 9,052,000 | 21,579,000 | 33,018,000 | 40,238,000 |
| Income tax | 2,103,000 | 5,205,000 | 7,947,000 | 9,516,000 |
| Net income | 6,949,000 | 16,374,000 | 25,071,000 | 30,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 370,098,000 | 376,465,000 | 380,902,000 | 382,534,000 |
| Total capital | 383,288,000 | 389,589,000 | 394,128,000 | 395,783,000 |
| Risk-weighted assets | 1,376,194,000 | 1,421,426,000 | 1,459,461,000 | 1,468,629,000 |