0001437749-23-001882.txt : 20230126 0001437749-23-001882.hdr.sgml : 20230126 20230126160036 ACCESSION NUMBER: 0001437749-23-001882 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20230126 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230126 DATE AS OF CHANGE: 20230126 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Waterstone Financial, Inc. CENTRAL INDEX KEY: 0001569994 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-36271 FILM NUMBER: 23557641 BUSINESS ADDRESS: STREET 1: 11200 WEST PLANK COURT CITY: WAUWATOSA STATE: WI ZIP: 53226 BUSINESS PHONE: (414) 761-1000 MAIL ADDRESS: STREET 1: 11200 WEST PLANK COURT CITY: WAUWATOSA STATE: WI ZIP: 53226 8-K 1 wsbf20221206b_8k.htm FORM 8-K wsbf20221206b_8k.htm
false 0001569994 0001569994 2023-01-26 2023-01-26
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
 
Form 8-K
 
CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
 
Date of Report (Date of Earliest Event Reported): January 26, 2023
 
Waterstone Financial, Inc.
 
(Exact name of registrant as specified in its charter)
 
Maryland 001-36271 90-1026709
(State or other jurisdiction of
incorporation)
(Commission File
Number)
(I.R.S. Employer Identification No.)
 
11200 W Plank Ct, Wauwatosa, Wisconsin 53226
(Address of principal executive offices)
414-761-1000
Registrant’s telephone number, including area code:
Not Applicable
Former name or former address, if changed since last report
 
Securities registered pursuant to Section 12(b) of the Act:
 
Title of each class   Trading Symbol   Name of each exchange on which registered
Common Stock, $0.01 Par Value   WSBF   The NASDAQ Stock Market, LLC
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities and Exchange Act of 1934.
 
☐
Emerging growth company
 
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
 
 
 
 
Item 2.02 Results of Operations and Financial Condition.
 
On January 26, 2023, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and year ended December 31, 2022. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.
 
 
Item 9.01 Financial Statements and Exhibits
 
(d) Exhibits
 
Exhibit No. Description
   
99.1 Press release of Waterstone Financial, Inc. issued January 26, 2023.
   
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
 
 
 
 
SIGNATURES
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
 
    Waterstone Financial, Inc.  
       
Date: January 26, 2023   /s/ Mark R. Gerke  
    Name:    Mark R. Gerke  
    Title:    Chief Financial Officer  
 
 
 
 
EXHIBIT INDEX
 
 
 
Exhibit No. Description
   
99.1 Press release of Waterstone Financial, Inc. issued January 26, 2023.
   
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
 
 
 
 EX-99 2 ex_453439.htm EXHIBIT 99 ex_453439.htm

Exhibit 99.1

 

Waterstone Financial, Inc. Announces Results of Operations for the Year Ended December 31, 2022.

 

WAUWATOSA, WI – 1/26/2023 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $935,000, or $0.04 per diluted share for the quarter ended December 31, 2022 compared to $12.6 million, or $0.53 per diluted share for the quarter ended December 31, 2021. Net income per diluted share was $0.89 for the twelve months ended December 31, 2022 compared to net income per diluted share of $2.96 for the twelve months ended December 31, 2021.

 

"The quarter was mixed as the community banking segment continued to achieve excellent loan growth while the mortgage banking segment lagged with lower volumes and declining margins,” said Douglas Gordon, Chief Executive Officer of Waterstone Financial, Inc. “Net interest income grew in the quarter as we added $156.0 million to the loan portfolio and efficiently used our cash as interest rates continued to rise. The mortgage banking segment continues to face significant challenges as a result of increases in mortgage rates year-over-year and the decline in affordable housing inventories. We are focused on controlling expenses and being prepared to capitalize when the mortgage market improves.”

 

Highlights of the Quarter Ended December 31, 2022

 

Waterstone Financial, Inc. (Consolidated)

 

● Consolidated net income of Waterstone Financial, Inc. totaled $935,000 for the quarter ended December 31, 2022, compared to $12.6 million for the quarter ended December 31, 2021.
● Consolidated return on average assets was 0.19% for the quarter ended December 31, 2022 compared to 2.22% for the quarter ended December 31, 2021.
● Consolidated return on average equity was 0.99% for the quarter ended December 31, 2022 and 11.14% for the quarter ended December 31, 2021.
● Dividends declared during the quarter ended December 31, 2022 totaled $0.20 per common share.
● We repurchased approximately 159,000 shares at a cost of $2.6 million, or $16.53 per share, during the quarter ended December 31, 2022.
● Nonperforming assets as percentage of total assets was 0.22% at December 31, 2022, 0.27% at September 30, 2022, and 0.26% at December 31, 2021.
● Past due loans as percentage of total loans was 0.41% at December 31, 2022, 0.48% at September 30, 2022, and 0.59% at December 31, 2021.
● Book value per share was $16.71 at December 31, 2022 and $17.45 at December 31, 2021.  The decrease reflects an $0.79 per share impact resulting from an increase in the unrealized loss on available for sale securities. 

 

Community Banking Segment

 

●

Pre-tax income totaled $7.0 million for the quarter ended December 31, 2022, which represents a $1.4 million, or 16.4%, decrease compared to $8.4 million for the quarter ended December 31, 2021.
● Net interest income totaled $15.7 million for the quarter ended December 31, 2022, which represents a $2.5 million, or 19.2%, increase compared to $13.2 million for the quarter ended December 31, 2021.
● Average loans held for investment totaled $1.41 billion during the quarter ended December 31, 2022, which represents an increase of $201.9 million, or 16.7%, compared to $1.21 billion for the quarter ended December 31, 2021. Average loans held for investment increased $102.1 million compared to $1.31 billion for the quarter ended September 30, 2022.
● The community banking segment purchased $112.0 million adjustable-rate loans that were originated by the mortgage banking segment during the quarter ended December 31, 2022.  Other noninterest expense includes fees totaling $2.0 million during the quarter ended December 31, 2022 which were paid to the mortgage banking segment and eliminated on a consolidated basis.  
● Net interest margin increased 82 basis points to 3.29% for the quarter ended December 31, 2022 compared to 2.47% for the quarter ended December 31, 2021, which was a result of a decrease in the average balance of cash, as funds were utilized to fund loans held for investment, purchase investment securities and pay down borrowings. In addition, yields increased on loans receivable, loans held for sale, mortgage related securities, debt securities, federal funds sold and short term investments category. Net interest margin decreased five basis points compared to 3.34% for the quarter ended September 30, 2022, driven by an increase in weighted average cost of deposits and borrowings as the federal funds rate increases resulted in increased funding rates.     

 

 
 

 

●

The segment had a provision for credit losses - loans of $290,000 for the quarter ended December 31, 2022 compared to a negative provision for loan losses of $1.5 million for the quarter ended December 31, 2021.  The current quarter increase was primarily due to an increase in loans held for investment during the quarter. The provision for credit losses - unfunded commitments was $334,000 as the loan pipeline increased from the prior quarter end.   
● The efficiency ratio was 54.49% for the quarter ended December 31, 2022, compared to 53.02% for the quarter ended December 31, 2021.
● Average deposits (excluding escrow accounts) totaled $1.21 billion during the quarter ended December 31, 2022, a decrease of $35.3 million, or 2.8%, compared to $1.25 billion during the quarter ended December 31, 2021. Average deposits increased $18.1 million, or 6.1% annualized compared to the $1.19 billion for the quarter ended September 30, 2022 due to an increase in certificate of deposits rates attracting more customers.  
● Other noninterest expense increased $1.8 million to $2.5 million during the quarter ended December 31, 2022 compared to $651,000 during the quarter ended December 31, 2021. The increase was driven by fees paid to the mortgage banking segment for the purchase of single-family adjustable rate mortgage loans.  See the note on the loans purchased from the mortgage banking segment above. These fees are eliminated in the consolidated statements of income.
 
Mortgage Banking Segment
 
●

Pre-tax loss totaled $6.5 million for the quarter ended December 31, 2022, compared to $7.3 million of pre-tax income for the quarter ended December 31, 2021.
● Loan originations decreased $446.5 million, or 45.0%, to $546.6 million during the quarter ended December 31, 2022, compared to $993.1 million during the quarter ended December 31, 2021. Origination volume relative to purchase activity accounted for 95.6% of originations for the quarter ended December 31, 2022 compared to 73.8% of total originations for the quarter ended December 31, 2021.
● Mortgage banking non-interest income decreased $22.6 million, or 55.6%, to $18.1 million for the quarter ended December 31, 2022, compared to $40.7 million for the quarter ended December 31, 2021.
● Gross margin on loans sold decreased to 3.41% for the quarter ended December 31, 2022, compared to 4.18% for the quarter ended December 31, 2021.  
● Total compensation, payroll taxes and other employee benefits decreased $10.5 million, or 37.6%, to $17.4 million during the quarter ended December 31, 2022 compared to $27.9 million during the quarter ended December 31, 2021. The decrease primarily related to decreased commission expense and branch manager compensation driven by decreased loan origination volume and branch profitability as gross margins decreased.
● Other noninterest expense increased $1.1 million to $2.6 million during the quarter ended December 31, 2022 compared to $1.4 million during the quarter ended December 31, 2021. The increase related to an increase in provision of loan sale losses.
● During the year ended December 31, 2022 the segment has added 11 branches and a total of 130 loan origination personnel.  Losses associated with these new branches totaled approximately $725,000 for the quarter ended December 31, 2022 and $1.9 million for the year ended December 31, 2022. These branch losses are net of corporate revenue of approximately $641,000 for the quarter ended December 31, 2022 and $1.2 million for the year ended December 31, 2022.

 

 
 

 

About Waterstone Financial, Inc.

 

Waterstone Financial, Inc. is the savings and loan holding company for WaterStone Bank. WaterStone Bank was established in 1921 and offers a full suite of personal and business banking products. The Bank has branches in Wauwatosa/State St, Brookfield, Fox Point/North Shore, Franklin/Hales Corners, Germantown/Menomonee Falls, Greenfield/Loomis Rd, Milwaukee/Oklahoma Ave, Oak Creek/27th St, Oak Creek/Howell Ave, Oconomowoc/Lake Country, Pewaukee, Waukesha, West Allis/Greenfield Ave, and West Allis/National Ave, Wisconsin. WaterStone Bank is the parent company to Waterstone Mortgage, which has the ability to lend in 48 states. For more information about WaterStone Bank, go to http://www.wsbonline.com.

 

Forward-Looking Statements

 

This press release contains statements or information that may constitute forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements include, without limitation, statements regarding expected financial and operating activities and results that are preceded by, followed by, or that include words such as “may,” “expects,” “anticipates,” “estimates” or “believes.”  Any such statements are based upon current expectations that involve a number of risks and uncertainties and are subject to important factors that could cause actual results to differ materially from those anticipated by the forward-looking statements.  Factors that might cause such a difference include changes in interest rates; demand for products and services; the degree of competition by traditional and nontraditional competitors; changes in banking regulation or actions by bank regulators; changes in tax laws; the impact of technological advances; governmental and regulatory policy changes; the outcomes of contingencies; trends in customer behavior as well as their ability to repay loans; changes in local real estate values; changes in the national and local economies, including significant disruption to financial market and other economic activity caused by the outbreak of COVID-19; and other factors, including risk factors referenced in Item 1A. Risk Factors in Waterstone’s most recent Annual Report on Form 10-K and as may be described from time to time in Waterstone’s subsequent SEC filings, which factors are incorporated herein by reference.  Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect only Waterstone’s belief as of the date of this press release.

 

 
 

 

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

 

   

For The Three Months Ended December 31,

    

For The Twelve Months Ended December 31,

  
   

2022

    

2021

    

2022

    

2021

  
   

(In Thousands, except per share amounts)

  

Interest income:

                                

Loans

   $ 18,654     $ 15,152     $ 62,935     $ 64,366  

Mortgage-related securities

     915       506       3,241       1,954  

Debt securities, federal funds sold and short-term investments

     1,105       926       4,069       3,563  

Total interest income

     20,674       16,584       70,245       69,883  

Interest expense:

                                

Deposits

     2,352       878       4,863       4,420  

Borrowings

     2,711       2,534       8,428       9,948  

Total interest expense

     5,063       3,412       13,291       14,368  

Net interest income

     15,611       13,172       56,954       55,515  

Provision (credit) for credit losses (1)

     664       (1,470 )     968       (3,990 )

Net interest income after provision for loan losses

     14,947       14,642       55,986       59,505  

Noninterest income:

                                

Service charges on loans and deposits

     497       842       2,202       3,325  

Increase in cash surrender value of life insurance

     344       318       1,738       1,615  

Mortgage banking income

     15,811       40,448       99,560       191,035  

Other

     443       408       2,055       7,220  

Total noninterest income

     17,095       42,016       105,555       203,195  

Noninterest expenses:

                                

Compensation, payroll taxes, and other employee benefits

     22,063       32,837       99,565       135,115  

Occupancy, office furniture, and equipment

     2,166       2,266       8,706       9,612  

Advertising

     972       958       3,976       3,528  

Data processing

     1,040       1,079       4,470       3,950  

Communications

     289       321       1,189       1,309  

Professional fees

     612       471       1,815       1,275  

Real estate owned

     13       14       19       3  

Loan processing expense

     1,059       940       4,744       4,610  

Other

     3,170       2,088       12,578       11,192  

Total noninterest expenses

     31,384       40,974       137,062       170,594  

Income before income taxes

     658       15,684       24,479       92,106  

Income tax (benefit) expense

     (277 )     3,131       4,992       21,315  

Net income

   $ 935     $ 12,553     $ 19,487     $ 70,791  

Income per share:

                                

Basic

   $ 0.04     $ 0.53     $ 0.89     $ 2.98  

Diluted

   $ 0.04     $ 0.53     $ 0.89     $ 2.96  

Weighted average shares outstanding:

                                

Basic

     20,966       23,598       21,884       23,741  

Diluted

     21,069       23,802       22,010       23,931  

 

(1) The Company adopted ASU 2016-13 as of January 1, 2022.  The 2021 amount presented is calculated under the prior accounting standard. 

 

 
 

 

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

 

   

December 31,

    

December 31,

  
   

2022

    

2021

  
   

(Unaudited)

          

Assets

  

(In Thousands, except per share amounts)

  

Cash

   $ 33,700     $ 343,016  

Federal funds sold

     10,683       13,981  

Interest-earning deposits in other financial institutions and other short term investments

     2,259       19,725  

Cash and cash equivalents

     46,642       376,722  

Securities available for sale (at fair value)

     196,588       179,016  

Loans held for sale (at fair value)

     131,188       312,738  

Loans receivable

     1,510,178       1,205,785  

Less: Allowance for credit losses ("ACL") - loans (1)

     17,757       15,778  

Loans receivable, net

     1,492,421       1,190,007  
                 

Office properties and equipment, net

     21,105       22,273  

Federal Home Loan Bank stock (at cost)

     17,357       24,438  

Cash surrender value of life insurance

     66,443       65,368  

Real estate owned, net

     145       148  

Prepaid expenses and other assets

     59,783       45,148  

Total assets

   $ 2,031,672     $ 2,215,858  
                 

Liabilities and Shareholders' Equity

                

Liabilities:

                

Demand deposits

   $ 230,596     $ 214,409  

Money market and savings deposits

     326,145       392,314  

Time deposits

     642,271       626,663  

Total deposits

     1,199,012       1,233,386  
                 

Borrowings

     386,784       477,127  

Advance payments by borrowers for taxes

     5,334       4,094  

Other liabilities

     70,056       68,478  

Total liabilities

     1,661,186       1,783,085  
                 

Shareholders' equity:

                

Preferred stock

     -       -  

Common stock

     222       248  

Additional paid-in capital

     128,550       174,505  

Retained earnings

     274,246       273,398  

Unearned ESOP shares

     (13,056 )     (14,243 )

Accumulated other comprehensive loss, net of taxes

     (19,476 )     (1,135 )

Total shareholders' equity

     370,486       432,773  

Total liabilities and shareholders' equity

   $ 2,031,672     $ 2,215,858  
                 

Share Information

                

Shares outstanding

     22,174       24,795  

Book value per share

   $ 16.71     $ 17.45  

 

(1) The Company adopted ASU 2016-13 as of January 1, 2022.  The 2021 amount presented is calculated under the prior accounting standard. 

 

 
 

 

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES

SUMMARY OF KEY QUARTERLY FINANCIAL DATA

(Unaudited)

 

   

At or For the Three Months Ended

  
   

December 31,

    

September 30,

    

June 30,

    

March 31,

    

December 31,

  
   

2022

    

2022

    

2022

    

2022

    

2021

  
   

(Dollars in Thousands, except per share amounts)

  

Condensed Results of Operations:

                                        

Net interest income

   $ 15,611     $ 15,398     $ 14,081     $ 11,864     $ 13,172  

Provision (credit) for credit losses (1)

     664       332       48       (76 )     (1,470 )

Total noninterest income

     17,095       27,404       31,238       29,818       42,016  

Total noninterest expense

     31,384       35,694       35,050       34,935       40,974  

Income before income taxes

     658       6,776       10,221       6,823       15,684  

Income tax (benefit) expense

     (277 )     1,506       2,231       1,532       3,131  

Net income

   $ 935     $ 5,270     $ 7,990     $ 5,291     $ 12,553  

Income per share – basic

   $ 0.04     $ 0.25     $ 0.36     $ 0.23     $ 0.53  

Income per share – diluted

   $ 0.04     $ 0.25     $ 0.36     $ 0.23     $ 0.53  

Dividends declared per share

   $ 0.20     $ 0.20     $ 0.20     $ 0.20     $ 0.70  
                                         

Performance Ratios (annualized):

                                        

Return on average assets - QTD

     0.19 %     1.08 %     1.61 %     1.00 %     2.22 %

Return on average equity - QTD

     0.99 %     5.38 %     7.93 %     5.00 %     11.14 %

Net interest margin - QTD

     3.29 %     3.34 %     3.02 %     2.38 %     2.47 %
                                         

Return on average assets - YTD

     0.96 %     1.22 %     1.30 %     1.00 %     3.20 %

Return on average equity - YTD

     4.91 %     6.09 %     6.42 %     5.00 %     16.38 %

Net interest margin - YTD

     3.00 %     2.90 %     2.69 %     2.38 %     2.68 %
                                         

Asset Quality Ratios:

                                        

Past due loans to total loans

     0.41 %     0.48 %     0.60 %     0.53 %     0.59 %

Nonaccrual loans to total loans

     0.29 %     0.37 %     0.59 %     0.55 %     0.46 %

Nonperforming assets to total assets

     0.22 %     0.27 %     0.39 %     0.34 %     0.26 %

Allowance for credit losses to loans receivable (1)

     1.18 %     1.29 %     1.35 %     1.40 %     1.31 %

 

(1) The Company adopted ASU 2016-13 as of January 1, 2022.  The 2021 amounts presented are calculated under the prior accounting standard. 

 

 
 

 

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES

SUMMARY OF QUARTERLY AVERAGE BALANCES AND YIELD/COSTS

(Unaudited)

 

   

At or For the Three Months Ended

  
   

December 31,

    

September 30,

    

June 30,

    

March 31,

    

December 31,

  
   

2022

    

2022

    

2022

    

2022

    

2021

  

Average balances

  

(Dollars in Thousands)

  

Interest-earning assets

                                        

Loans receivable and held for sale

   $ 1,578,790     $ 1,492,462     $ 1,433,452     $ 1,361,839     $ 1,517,984  

Mortgage related securities

     170,209       172,807       168,000       138,863       119,709  

Debt securities, federal funds sold and short term investments

     130,973       162,211       269,823       519,116       475,574  

Total interest-earning assets

     1,879,972       1,827,480       1,871,275       2,019,818       2,113,267  

Noninterest-earning assets

     122,643       114,274       117,248       128,813       131,703  

Total assets

   $ 2,002,615     $ 1,941,754     $ 1,988,523     $ 2,148,631     $ 2,244,970  
                                         

Interest-bearing liabilities

                                        

Demand accounts

   $ 75,449     $ 75,058     $ 70,674     $ 69,736     $ 70,762  

Money market, savings, and escrow accounts

     349,820       398,643       412,321       404,413       398,210  

Certificates of deposit

     628,375       586,012       584,244       610,681       643,546  

Total interest-bearing deposits

     1,053,644       1,059,713       1,067,239       1,084,830       1,112,518  

Borrowings

     333,249       296,111       326,068       440,252       481,971  

Total interest-bearing liabilities

     1,386,893       1,355,824       1,393,307       1,525,082       1,594,489  

Noninterest-bearing demand deposits

     177,217       153,591       154,070       152,900       153,303  

Noninterest-bearing liabilities

     63,866       43,683       36,962       41,232       49,982  

Total liabilities

     1,627,976       1,553,098       1,584,339       1,719,214       1,797,774  

Equity

     374,639       388,656       404,184       429,417       447,196  

Total liabilities and equity

   $ 2,002,615     $ 1,941,754     $ 1,988,523     $ 2,148,631     $ 2,244,970  
                                         

Average Yield/Costs (annualized)

                                        

Loans receivable and held for sale

     4.69 %     4.32 %     4.07 %     4.02 %     3.96 %

Mortgage related securities

     2.13 %     2.07 %     1.96 %     1.76 %     1.68 %

Debt securities, federal funds sold and short term investments

     3.35 %     2.41 %     1.56 %     0.72 %     0.77 %

Total interest-earning assets

     4.36 %     3.93 %     3.52 %     3.02 %     3.11 %
                                         

Demand accounts

     0.08 %     0.08 %     0.09 %     0.08 %     0.08 %

Money market and savings accounts

     0.67 %     0.21 %     0.19 %     0.21 %     0.22 %

Certificates of deposit

     1.10 %     0.51 %     0.37 %     0.37 %     0.40 %

Total interest-bearing deposits

     0.89 %     0.37 %     0.28 %     0.29 %     0.31 %

Borrowings

     3.23 %     2.34 %     1.95 %     2.20 %     2.09 %

Total interest-bearing liabilities

     1.45 %     0.80 %     0.67 %     0.84 %     0.85 %

 

 
 

 

COMMUNITY BANKING SEGMENT

SUMMARY OF KEY QUARTERLY FINANCIAL DATA

(Unaudited)

 

   

At or For the Three Months Ended

  
   

December 31,

    

September 30,

    

June 30,

    

March 31,

    

December 31,

  
   

2022

    

2022

    

2022

    

2022

    

2021

  
   

(Dollars in Thousands)

  

Condensed Results of Operations:

                                        

Net interest income

   $ 15,737     $ 15,507     $ 13,710     $ 11,652     $ 13,197  

Provision (credit) for credit losses (1)

     624       234       (41 )     (140 )     (1,500 )

Total noninterest income

     1,033       1,116       1,640       1,432       1,459  

Noninterest expenses:

                                        

Compensation, payroll taxes, and other employee benefits

     4,781       4,424       4,596       5,212       5,085  

Occupancy, office furniture and equipment

     877       955       876       937       960  

Advertising

     203       213       244       227       278  

Data processing

     551       539       531       608       531  

Communications

     92       108       63       94       100  

Professional fees

     153       123       118       114       151  

Real estate owned

     13       1       -       5       14  

Loan processing expense

     -       -       -       -       -  

Other

     2,468       1,477       1,006       600       651  

Total noninterest expense

     9,138       7,840       7,434       7,797       7,770  

Income before income taxes

     7,008       8,549       7,957       5,427       8,386  

Income tax expense

     1,308       1,983       1,658       1,167       1,690  

Net income

   $ 5,700     $ 6,566     $ 6,299     $ 4,260     $ 6,696  
                                         

Efficiency ratio - QTD

     54.49 %     47.16 %     48.43 %     59.59 %     53.02 %

Efficiency ratio - YTD

     52.10 %     51.20 %     53.57 %     59.59 %     48.58 %

 

(1) The Company adopted ASU 2016-13 as of January 1, 2022.  The 2021 amounts presented are calculated under the prior accounting standard. 

 

 
 

 

MORTGAGE BANKING SEGMENT

SUMMARY OF KEY QUARTERLY FINANCIAL DATA

(Unaudited)

 

    At or For the Three Months Ended  
   

December 31,

    

September 30,

    

June 30,

    

March 31,

    

December 31,

  
   

2022

    

2022

    

2022

    

2022

    

2021

  
   

(Dollars in Thousands)

  

Condensed Results of Operations:

                                        

Net interest (loss) income

   $ (241 )   $ (155 )   $ 370     $ 183     $ (49 )

Provision for credit losses (2)

     40       98       89       64       30  

Total noninterest income

     18,066       27,305       30,126       28,604       40,692  

Noninterest expenses:

                                        

Compensation, payroll taxes, and other employee benefits

     17,397       21,864       21,311       20,438       27,866  

Occupancy, office furniture and equipment

     1,289       1,341       1,180       1,251       1,306  

Advertising

     769       924       718       678       680  

Data processing

     490       543       613       588       542  

Communications

     197       194       195       246       221  

Professional fees

     453       265       222       338       306  

Real estate owned

     -       -       -       -       -  

Loan processing expense

     1,059       1,120       1,134       1,431       940  

Other

     2,584       2,571       2,733       2,309       1,445  

Total noninterest expense

     24,238       28,822       28,106       27,279       33,306  

(Loss) income before income taxes

     (6,453 )     (1,770 )     2,301       1,444       7,307  

Income tax (benefit) expense

     (1,602 )     (470 )     578       377       1,443  

Net (loss) income

   $ (4,851 )   $ (1,300 )   $ 1,723     $ 1,067     $ 5,864  
                                         

Efficiency ratio - QTD

     135.98 %     106.16 %     92.16 %     94.76 %     81.95 %

Efficiency ratio - YTD

     104.02 %     97.42 %     93.42 %     94.76 %     71.44 %
                                         

Loan originations

   $ 546,628     $ 729,897     $ 778,760     $ 708,463     $ 993,113  

Purchase

     95.6 %     94.2 %     90.4 %     77.3 %     73.8 %

Refinance

     4.4 %     5.8 %     9.6 %     22.7 %     26.2 %

Gross margin on loans sold(1)

     3.41 %     3.70 %     3.85 %     4.00 %     4.18 %

 

(1) Gross margin on loans sold equals mortgage banking income (excluding the change in interest rate lock value) divided by total loan originations

(2) The Company adopted ASU 2016-13 as of January 1, 2022.  The 2021 amounts presented are calculated under the prior accounting standard. 

 

 
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Document Information [Line Items]  
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Entity, File Number 001-36271
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Title of 12(b) Security Common Stock, $0.01 Par Value
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