Waterstone Financial, Inc. Income Statement

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Income Statement Dec2011 Dec2012 Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Revenue & Cost
Provisions 22.08M8.30M4.53M1.15M1.97M0.38M-1.17M-1.06M-0.90M6.34M-3.99M1.03M0.93M-0.34M
Revenue 89.75M133.15M127.00M125.88M143.32M169.81M175.15M172.38M182.95M297.52M258.71M162.51M131.40M135.47M
Interest income
Interest income - Loans 72.27M64.32M58.47M57.32M55.17M57.19M60.82M66.97M72.23M72.63M64.37M62.94M90.15M103.07M
Interest Income - Debt Securities 7.39M11.97M10.87M12.12M11.70M10.90M11.19M10.29M8.33M12.07M11.19M12.58M11.76M7.23M
Interest Income - Total 79.35M69.85M62.86M63.63M61.96M63.74M67.09M73.70M79.74M78.48M69.88M70.25M99.21M113.17M
Interest expenses
Interest Expense - Deposits 15.29M9.48M5.21M4.93M5.88M7.36M7.74M11.63M17.28M14.37M4.42M4.86M25.74M40.57M
Interest Expense - Debt 17.55M18.42M18.44M17.40M17.24M12.93M8.62M7.90M10.27M10.62M9.95M8.43M23.25M26.43M
Interest Expenses 32.84M27.90M23.66M22.33M23.12M20.29M16.36M19.52M27.54M24.98M14.37M13.29M48.99M67.00M
Interest Income - Net 46.52M41.95M39.21M41.31M38.84M43.44M50.73M54.18M52.20M53.50M55.52M56.95M50.22M46.17M
Non-interest income
Interest Income - Total 24.44M33.65M34.67M40.16M36.88M43.06M51.90M55.24M53.10M47.16M59.51M55.99M49.56M46.34M
Financial Services Fees 2.23M1.62M1.68M2.36M4.46M3.33M2.20M1.82M2.06M
Service Charges 1.08M1.33M1.34M1.49M1.65M2.23M1.62M
Investment Gain (Loss) 0.05M0.52M-0.01M0.04M-0.11M
Investment Banking Income 37.67M90.17M73.55M82.15M98.38M123.15M121.95M109.53M128.93M245.36M193.40M76.16M71.38M83.81M
Mortgage Banking 39.84M87.38M80.26M77.98M99.32M121.07M120.04M113.15M125.67M233.25M191.03M99.56M75.69M83.56M
Other Non-Interest Income 19.29M10.98M12.62M8.86M6.34M2.74M3.33M4.12M3.88M4.41M7.22M3.98M3.78M3.55M
Non-Interest Income 43.23M91.20M87.80M84.57M104.47M126.36M124.41M118.20M130.75M244.02M203.19M105.56M81.19M89.30M
Operating Items
Research & Development 1.40M1.52M2.03M2.25M2.35M2.52M2.44M2.79M3.63M3.94M3.95M4.47M4.65M4.98M
Wages, Salaries and Other 39.16M63.51M68.81M69.17M81.75M95.06M97.08M97.78M101.72M139.05M135.12M99.56M84.10M81.08M
Rent Expense 6.49M6.97M8.16M10.37M9.29M9.35M10.18M10.86M10.61M10.22M9.61M8.71M8.32M7.57M
Other Operating Expenses 66.69M93.65M88.95M92.20M103.89M115.57M119.26M119.51M122.04M168.90M157.03M123.89M106.74M99.08M
Operating Expenses 74.58M102.14M99.14M104.82M115.53M127.44M131.88M133.16M136.27M183.06M170.59M137.06M119.71M111.64M
Operating Income 22.70M19.34M5.14M2.32M5.04M
EBIT 25.93M50.61M46.99M42.23M48.94M62.29M60.80M59.80M75.12M22.70M19.34M5.14M2.32M5.04M
Non-operating items
Non Operating Investment Income -0.46M-0.21M-0.02M
Net income details
EBT -6.91M22.71M23.33M19.91M25.82M41.99M44.43M40.28M47.57M108.12M92.11M24.48M11.03M24.00M
Tax Provisions 1.30M-12.20M8.62M7.17M9.40M16.46M18.47M9.53M11.67M29.59M21.32M5.48M2.73M5.31M
Profit After Tax -7.47M34.91M14.71M12.73M16.57M25.53M25.96M30.75M35.90M81.14M70.79M19.49M9.38M18.69M
Equity Income 81.12M70.86M19.51M8.96M18.35M
Income from Continuing Operations -8.21M34.91M14.71M12.73M16.42M25.53M25.96M30.75M35.90M78.53M70.79M19.00M8.30M18.69M
Consolidated Net Income -8.21M34.91M14.71M12.73M16.42M25.53M25.96M30.75M35.90M78.53M70.79M19.00M8.30M18.69M
Income towards Parent Company -8.21M34.91M14.71M12.73M16.42M25.53M25.96M30.75M35.90M78.53M70.79M19.00M8.30M18.69M
Net Income towards Common Stockholders -7.47M34.80M14.67M12.71M16.55M25.52M25.96M30.75M35.90M78.53M70.79M19.00M8.30M18.69M
Additional items
EPS (Basic) -0.221.020.430.380.570.940.951.121.383.322.980.890.471.01
EPS (Weighted Average and Diluted) -0.221.020.430.380.560.930.931.111.373.302.960.890.461.01
Shares Outstanding (Weighted Average) 25.16M24.93M22.06M20.58M19.37M
Tax Rate 36.95%36.04%36.42%39.20%41.57%23.65%24.53%27.37%23.14%22.37%24.75%22.14%