Call reports 2022
WATERSTONE BANK — 2022
What WATERSTONE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,997,303,000 | 1,934,871,000 | 1,969,053,000 | 2,027,068,000 |
| Total loans | 1,361,856,000 | 1,483,262,000 | 1,540,514,000 | 1,641,366,000 |
| Allowance for loan losses | 16,905,000 | 17,271,000 | 17,452,000 | 17,757,000 |
| Securities available for sale | 202,953,000 | 201,545,000 | 198,243,000 | 198,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,268,840,000 | 1,293,989,000 | 1,271,035,000 | 1,275,459,000 |
| Interest-bearing deposits | 1,105,237,000 | 1,117,168,000 | 1,073,446,000 | 1,094,479,000 |
| Noninterest-bearing deposits | 163,603,000 | 176,821,000 | 197,589,000 | 180,980,000 |
| Equity capital | 375,354,000 | 331,189,000 | 325,191,000 | 323,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 15,412,000 | 32,290,000 | 50,736,000 | 71,662,000 |
| Interest expense | 3,191,000 | 5,542,000 | 8,294,000 | 13,426,000 |
| Net interest income | 12,221,000 | 26,748,000 | 42,442,000 | 58,236,000 |
| Noninterest income | 29,417,000 | 60,272,000 | 87,205,000 | 103,939,000 |
| Noninterest expense | 34,833,000 | 69,909,000 | 105,402,000 | 136,672,000 |
| Provision for loan losses | 81,000 | 340,000 | 700,000 | 1,030,000 |
| Pretax income | 6,875,000 | 17,120,000 | 23,918,000 | 24,506,000 |
| Income tax | 1,544,000 | 3,781,000 | 5,293,000 | 4,999,000 |
| Net income | 5,331,000 | 13,339,000 | 18,625,000 | 19,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 382,871,000 | 344,757,000 | 343,512,000 | 341,866,000 |
| Total capital | 399,776,000 | 362,028,000 | 360,964,000 | 359,623,000 |
| Risk-weighted assets | 1,507,832,000 | 1,552,349,000 | 1,618,797,000 | 1,671,121,000 |