Waterstone Financial, Inc. (WSBF)

Waterstone Financial Balance Sheet

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

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

Updated Feb 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q