Waterstone Financial, Inc. (FRA:47Z)

Waterstone Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	53.77	39.76	36.42	46.64	376.72	94.77
Investment Securities	62.39	60.8	53	50.4	57.28	67.57
Trading Asset Securities	8.36	13.47	12.38	16.85	5.95	15
Mortgage-Backed Securities	164.02	147.75	151.91	146.19	121.73	92.05
Total Investments	234.76	222.02	217.29	213.43	184.96	174.62
Gross Loans	1,715	1,681	1,664	1,510	1,206	1,375
Allowance for Loan Losses	-17.67	-18.25	-18.55	-17.76	-15.78	-18.82
Net Loans	1,697	1,662	1,646	1,492	1,190	1,356
Property, Plant & Equipment	18.74	19.39	20	21.11	22.27	23.72
Loans Held for Sale	135.68	135.91	164.99	131.19	312.74	402
Other Current Assets	31.46	23.11	26.06	26.82	32.33	31.17
Long-Term Deferred Tax Assets	-	10.94	12.16	12.67	5.32	5.4
Other Real Estate Owned & Foreclosed	0.09	0.51	0.25	0.15	0.15	0.32
Other Long-Term Assets	76.81	75.34	69.67	69.89	66.92	69.55
Total Assets	2,269	2,210	2,213	2,032	2,216	2,185
Interest Bearing Deposits	1,212	1,193	1,059	1,084	1,131	1,082
Institutional Deposits	174.4	167.3	131.4	115.5	102.6	102.6
Total Deposits	1,386	1,360	1,191	1,199	1,233	1,185
Short-Term Borrowings	266.88	309.14	468.46	204.62	8.71	47.11
Federal Home Loan Bank Debt, Long-Term	210	150	155	200	470	470
Other Long-Term Liabilities	60.82	51.44	55.25	57.55	70.99	69.49
Total Liabilities	1,924	1,870	1,869	1,661	1,783	1,771
Common Stock	0.19	0.19	0.2	0.22	0.25	0.25
Additional Paid-In Capital	80.52	91.21	103.91	128.55	174.51	180.68
Retained Earnings	287.87	277.2	269.61	274.25	273.4	245.29
Comprehensive Income & Other	-23.08	-29.47	-29.66	-32.53	-15.38	-13.1
Shareholders' Equity	345.5	339.14	344.06	370.49	432.77	413.12
Total Liabilities & Equity	2,269	2,210	2,213	2,032	2,216	2,185
Total Debt	476.88	459.14	623.46	404.62	478.71	517.11
Net Cash (Debt)	-414.75	-405.91	-574.66	-341.14	-96.04	-407.34
Net Cash Per Share	-22.95	-21.84	-28.45	-15.50	-4.01	-16.55
Filing Date Shares Outstanding	17.64	18.37	19	23.07	24.22	23.75
Total Common Shares Outstanding	17.64	18.39	19.26	21.02	24.78	23.72
Book Value Per Share	19.59	18.44	17.86	17.63	17.46	17.42
Tangible Book Value	345.5	339.14	344.06	370.49	432.77	413.12
Tangible Book Value Per Share	19.59	18.44	17.86	17.63	17.46	17.42

Source: S&P Global Market Intelligence. Banks template. Financial Sources.