Call reports 2025
WATERSTONE BANK — 2025
What WATERSTONE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,174,289,000 | 2,255,817,000 | 2,268,424,000 | 2,259,133,000 |
| Total loans | 1,779,809,000 | 1,826,099,000 | 1,850,512,000 | 1,820,609,000 |
| Allowance for loan losses | 17,905,000 | 17,800,000 | 17,670,000 | 17,478,000 |
| Securities available for sale | 213,615,000 | 218,757,000 | 226,403,000 | 230,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,414,295,000 | 1,427,219,000 | 1,433,899,000 | 1,476,199,000 |
| Interest-bearing deposits | 1,313,432,000 | 1,317,316,000 | 1,311,384,000 | 1,365,550,000 |
| Noninterest-bearing deposits | 100,863,000 | 109,903,000 | 122,515,000 | 110,649,000 |
| Equity capital | 328,716,000 | 326,974,000 | 333,149,000 | 337,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 28,159,000 | 57,050,000 | 86,773,000 | 117,219,000 |
| Interest expense | 15,200,000 | 30,192,000 | 45,027,000 | 59,446,000 |
| Net interest income | 12,959,000 | 26,858,000 | 41,746,000 | 57,773,000 |
| Noninterest income | 16,615,000 | 40,706,000 | 62,841,000 | 84,318,000 |
| Noninterest expense | 26,281,000 | 54,663,000 | 82,196,000 | 110,348,000 |
| Provision for loan losses | -354,000 | -469,000 | -599,000 | -891,000 |
| Pretax income | 3,854,000 | 13,471,000 | 23,236,000 | 33,152,000 |
| Income tax | 839,000 | 2,770,000 | 4,670,000 | 6,978,000 |
| Net income | 3,015,000 | 10,701,000 | 18,566,000 | 26,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 344,293,000 | 341,431,000 | 345,625,000 | 349,299,000 |
| Total capital | 363,236,000 | 360,376,000 | 364,300,000 | 367,517,000 |
| Risk-weighted assets | 1,756,180,000 | 1,798,884,000 | 1,840,813,000 | 1,794,068,000 |