0001437749-23-011008.txt : 20230425 0001437749-23-011008.hdr.sgml : 20230425 20230425160103 ACCESSION NUMBER: 0001437749-23-011008 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20230425 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230425 DATE AS OF CHANGE: 20230425 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: 23844743 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 wsbf20230317_8k.htm FORM 8-K wsbf20230317_8k.htm
false 0001569994 0001569994 2023-04-25 2023-04-25
 
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): April 25, 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 April 25, 2023, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter ended March 31, 2023. 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 April 25, 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: April 25, 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 April 25, 2023.
   
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
 
 
 
 EX-99 2 ex_490197.htm EXHIBIT 99 ex_490197.htm

Exhibit 99.1

 

Waterstone Financial, Inc. Announces Results of Operations for the Quarter Ended March 31, 2023.

 

WAUWATOSA, WI – 4/25/2023 – Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $2.2 million, or $0.10 per diluted share for the quarter ended March 31, 2023 compared to $5.3 million, or $0.23 per diluted share for the quarter ended March 31, 2022. 

 

"The Community Banking segment achieved an 18% increase in year over year pre-tax income, while our Mortgage Banking segment, as well as the entire mortgage industry, continue to be challenged by higher mortgage rates and a nationwide housing inventory shortage,” said Douglas Gordon, Chief Executive Officer of Waterstone Financial, Inc. “Despite the mortgage industry headwinds, we will continue to position our mortgage segment to take advantage of future improvements in the industry.”

 

Highlights of the Quarter Ended March 31, 2023

 

Waterstone Financial, Inc. (Consolidated)

 

● Consolidated net income of Waterstone Financial, Inc. totaled $2.2 million for the quarter ended March 31, 2023, compared to $5.3 million for the quarter ended March 31, 2022.
● Consolidated return on average assets was 0.43% for the quarter ended March 31, 2023 compared to 1.00% for the quarter ended March 31, 2022.
● Consolidated return on average equity was 2.35% for the quarter ended March 31, 2023 and 5.00% for the quarter ended March 31, 2022.
● Dividends declared during the quarter ended March 31, 2023 totaled $0.20 per common share.
● We repurchased approximately 373,000 shares at a cost of $5.8 million, or $15.65 per share, during the quarter ended March 31, 2023.
● Nonperforming assets as percentage of total assets was 0.22% at March 31, 2023, 0.22% at December 31, 2022, and 0.34% at March 31, 2022.
● Past due loans as percentage of total loans was 0.64% at March 31, 2023, 0.41% at December 31, 2022, and 0.53% at March 31, 2022.
● Book value per share was $16.73 at March 31, 2023 and $16.71 at December 31, 2022.  

 

Community Banking Segment

 

●

Pre-tax income totaled $6.4 million for the quarter ended March 31, 2023, which represents a $1.0 million, or 18.5%, increase compared to $5.4 million for the quarter ended March 31, 2022.
● Net interest income totaled $14.0 million for the quarter ended March 31, 2023, which represents a $2.4 million, or 20.2%, increase compared to $11.7 million for the quarter ended March 31, 2022.
● Average loans held for investment totaled $1.53 billion during the quarter ended March 31, 2023, which represents an increase of $326.6 million, or 27.1%, compared to $1.20 billion for the quarter ended March 31, 2022. The increase was primarily due to increases in the single-family and multi-family mortgages. Average loans held for investment increased $118.3 million compared to $1.41 billion for the quarter ended December 31, 2022. The increase was primarily due to increases in the single-family and multi-family mortgages.
● The community banking segment purchased $27.4 million adjustable-rate loans that were originated by the mortgage banking segment during the quarter ended March 31, 2023.  
● Net interest margin increased 50 basis points to 2.88% for the quarter ended March 31, 2023 compared to 2.38% for the quarter ended March 31, 2022, which was a result of a decrease in the average balance of cash, as funds were utilized to fund loans held for investment, and purchase investment securities. 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 41 basis points compared to 3.29% for the quarter ended December 31, 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 negative provision for credit losses - loans of $96,000 for the quarter ended March 31, 2023 compared to a provision for credit losses - loans of $17,000 for the quarter ended March 31, 2022.  The current quarter decrease was primarily due to a decrease in loan loss rates. The provision for credit losses - unfunded commitments was $484,000 for the quarter ended March 31, 2023 compared to a negative provision for credit losses - unfunded commitments of $157,000 for the quarter ended March 31, 2022. The increase for the quarter ended March 31, 2023 was due primarily to three significant construction loans that have not funded.  
● The efficiency ratio, a non-GAAP ratio, was 54.53% for the quarter ended March 31, 2023, compared to 59.59% for the quarter ended March 31, 2022.
● Average deposits (excluding escrow accounts) totaled $1.17 billion during the quarter ended March 31, 2023, a decrease of $56.9 million, or 4.6%, compared to $1.23 billion during the quarter ended March 31, 2022. Average deposits decreased $37.3 million, or 12.3% annualized, compared to the $1.21 billion for the quarter ended December 31, 2022.  
● Other noninterest expense increased $296,000 to $896,000 during the quarter ended March 31, 2023 compared to $600,000 during the quarter ended March 31, 2022. The increase was driven by fees paid to the mortgage banking segment for the purchase of single-family adjustable rate mortgage loans.  These fees totaled $383,000 during the quarter ended March 31, 2023 compared to $181,000 during the quarter ended March 31, 2022.
 
Mortgage Banking Segment
 
●

Pre-tax loss totaled $3.7 million for the quarter ended March 31, 2023, compared to $1.4 million of pre-tax income for the quarter ended March 31, 2022.
● Loan originations decreased $265.8 million, or 37.5%, to $442.7 million during the quarter ended March 31, 2023, compared to $708.5 million during the quarter ended March 31, 2022. Origination volume relative to purchase activity accounted for 96.5% of originations for the quarter ended March 31, 2023 compared to 77.3% of total originations for the quarter ended March 31, 2022.
● Mortgage banking non-interest income decreased $10.7 million, or 37.2%, to $18.0 million for the quarter ended March 31, 2023, compared to $28.6 million for the quarter ended March 31, 2022.
● Gross margin on loans sold decreased to 3.78% for the quarter ended March 31, 2023, compared to 4.00% for the quarter ended March 31, 2022.  
● During the quarter ended March 31, 2023, the Company sold mortgage servicing rights related to $318.3 million in loans receivable and with a book value of $2.8 million for $3.4 million resulting in a gain on sale of $601,000. There was no comparable sale during the quarter ended March 31, 2022. As of March 31, 2023, the Company maintained servicing rights related to $116.6 million in loans previously sold to third parties.
● Total compensation, payroll taxes and other employee benefits decreased $5.3 million, or 26.1%, to $15.1 million during the quarter ended March 31, 2023 compared to $20.4 million during the quarter ended March 31, 2022. The decrease primarily related to decreased commission expense and salary expense driven by decreased loan origination volume and reduced employee headcount.

 

 
 

 

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; 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.

 

Non-GAAP Financial Measures 

 

Management uses non-GAAP financial information in its analysis of the Company's performance. Management believes that this non-GAAP measure provides a greater understanding of ongoing operations and enhance comparability of results of operations with prior periods. The Company’s management believes that investors may use this non-GAAP measure to analyze the Company's financial performance without the impact of unusual items or events that may obscure trends in the Company’s underlying performance. This non-GAAP data should be considered in addition to results prepared in accordance with GAAP, and is not a substitute for, or superior to, GAAP results.  Limitations associated with non-GAAP financial measures include the risks that persons might disagree as to the appropriateness of items included in this measure and that different companies might calculate this measure differently. 

 

 
 

 

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

 

   

For The Three Months Ended March 31,

  
   

2023

    

2022

  
   

(In Thousands, except per share amounts)

  

Interest income:

                

Loans

   $ 19,885     $ 13,500  

Mortgage-related securities

     943       602  

Debt securities, federal funds sold and short-term investments

     1,062       928  

Total interest income

     21,890       15,030  

Interest expense:

                

Deposits

     4,088       779  

Borrowings

     4,007       2,387  

Total interest expense

     8,095       3,166  

Net interest income

     13,795       11,864  

Provision (credit) for credit losses

     460       (76 )

Net interest income after provision for loan losses

     13,335       11,940  

Noninterest income:

                

Service charges on loans and deposits

     430       510  

Increase in cash surrender value of life insurance

     325       316  

Mortgage banking income

     16,770       28,275  

Other

     1,029       717  

Total noninterest income

     18,554       29,818  

Noninterest expenses:

                

Compensation, payroll taxes, and other employee benefits

     20,052       25,535  

Occupancy, office furniture, and equipment

     2,263       2,188  

Advertising

     889       905  

Data processing

     1,122       1,202  

Communications

     251       340  

Professional fees

     416       461  

Real estate owned

     1       5  

Loan processing expense

     1,018       1,431  

Other

     3,095       2,868  

Total noninterest expenses

     29,107       34,935  

Income before income taxes

     2,782       6,823  

Income tax expense

     627       1,532  

Net income

   $ 2,155     $ 5,291  

Income per share:

                

Basic

   $ 0.10     $ 0.23  

Diluted

   $ 0.10     $ 0.23  

Weighted average shares outstanding:

                

Basic

     20,890       23,132  

Diluted

     20,980       23,311  

 

 

 

 
 

 

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

 

   

March 31,

    

December 31,

  
   

2023

    

2022

  
   

(Unaudited)

          

Assets

  

(In Thousands, except per share amounts)

  

Cash

   $ 45,922     $ 33,700  

Federal funds sold

     8,010       10,683  

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

     260       2,259  

Cash and cash equivalents

     54,192       46,642  

Securities available for sale (at fair value)

     200,440       196,588  

Loans held for sale (at fair value)

     161,325       131,188  

Loans receivable

     1,550,219       1,510,178  

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

     17,744       17,757  

Loans receivable, net

     1,532,475       1,492,421  
                 

Office properties and equipment, net

     20,716       21,105  

Federal Home Loan Bank stock (at cost)

     23,873       17,357  

Cash surrender value of life insurance

     66,294       66,443  

Real estate owned, net

     145       145  

Prepaid expenses and other assets

     55,039       59,783  

Total assets

   $ 2,114,499     $ 2,031,672  
                 

Liabilities and Shareholders' Equity

                

Liabilities:

                

Demand deposits

   $ 205,930     $ 230,596  

Money market and savings deposits

     301,089       326,145  

Time deposits

     675,866       642,271  

Total deposits

     1,182,885       1,199,012  
                 

Borrowings

     501,696       386,784  

Advance payments by borrowers for taxes

     13,434       5,334  

Other liabilities

     50,677       70,056  

Total liabilities

     1,748,692       1,661,186  
                 

Shareholders' equity:

                

Preferred stock

     -       -  

Common stock

     219       222  

Additional paid-in capital

     123,448       128,550  

Retained earnings

     272,269       274,246  

Unearned ESOP shares

     (12,760 )     (13,056 )

Accumulated other comprehensive loss, net of taxes

     (17,369 )     (19,476 )

Total shareholders' equity

     365,807       370,486  

Total liabilities and shareholders' equity

   $ 2,114,499     $ 2,031,672  
                 

Share Information

                

Shares outstanding

     21,867       22,174  

Book value per share

   $ 16.73     $ 16.71  

 

 
 

 

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES

SUMMARY OF KEY QUARTERLY FINANCIAL DATA

(Unaudited)

 

   

At or For the Three Months Ended

  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  
   

2023

    

2022

    

2022

    

2022

    

2022

  
   

(Dollars in Thousands, except per share amounts)

  

Condensed Results of Operations:

                                        

Net interest income

   $ 13,795     $ 15,611     $ 15,398     $ 14,081     $ 11,864  

Provision (credit) for credit losses

     460       664       332       48       (76 )

Total noninterest income

     18,554       17,095       27,404       31,238       29,818  

Total noninterest expense

     29,107       31,384       35,694       35,050       34,935  

Income before income taxes

     2,782       658       6,776       10,221       6,823  

Income tax (benefit) expense

     627       (277 )     1,506       2,231       1,532  

Net income

   $ 2,155     $ 935     $ 5,270     $ 7,990     $ 5,291  

Income per share – basic

   $ 0.10     $ 0.04     $ 0.25     $ 0.36     $ 0.23  

Income per share – diluted

   $ 0.10     $ 0.04     $ 0.25     $ 0.36     $ 0.23  

Dividends declared per common share

   $ 0.20     $ 0.20     $ 0.20     $ 0.20     $ 0.20  
                                         

Performance Ratios (annualized):

                                        

Return on average assets - QTD

     0.43 %     0.19 %     1.08 %     1.61 %     1.00 %

Return on average equity - QTD

     2.35 %     0.99 %     5.38 %     7.93 %     5.00 %

Net interest margin - QTD

     2.88 %     3.29 %     3.34 %     3.02 %     2.38 %
                                         

Return on average assets - YTD

     0.43 %     0.96 %     1.22 %     1.30 %     1.00 %

Return on average equity - YTD

     2.35 %     4.91 %     6.09 %     6.42 %     5.00 %

Net interest margin - YTD

     2.88 %     3.00 %     2.90 %     2.69 %     2.38 %
                                         

Asset Quality Ratios:

                                        

Past due loans to total loans

     0.64 %     0.41 %     0.48 %     0.60 %     0.53 %

Nonaccrual loans to total loans

     0.29 %     0.29 %     0.37 %     0.59 %     0.55 %

Nonperforming assets to total assets

     0.22 %     0.22 %     0.27 %     0.39 %     0.34 %

Allowance for credit losses - loans to loans receivable

     1.14 %     1.18 %     1.29 %     1.35 %     1.40 %

 

 
 

 

WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES

SUMMARY OF QUARTERLY AVERAGE BALANCES AND YIELD/COSTS

(Unaudited)

 

   

At or For the Three Months Ended

  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  
   

2023

    

2022

    

2022

    

2022

    

2022

  

Average balances

  

(Dollars in Thousands)

  

Interest-earning assets

                                        

Loans receivable and held for sale

   $ 1,654,942     $ 1,578,790     $ 1,492,462     $ 1,433,452     $ 1,361,839  

Mortgage related securities

     170,218       170,209       172,807       168,000       138,863  

Debt securities, federal funds sold and short term investments

     115,962       130,973       162,211       269,823       519,116  

Total interest-earning assets

     1,941,122       1,879,972       1,827,480       1,871,275       2,019,818  

Noninterest-earning assets

     107,009       122,643       114,274       117,248       128,813  

Total assets

   $ 2,048,131     $ 2,002,615     $ 1,941,754     $ 1,988,523     $ 2,148,631  
                                         

Interest-bearing liabilities

                                        

Demand accounts

   $ 68,564     $ 75,449     $ 75,058     $ 70,674     $ 69,736  

Money market, savings, and escrow accounts

     322,220       349,820       398,643       412,321       404,413  

Certificates of deposit

     648,531       628,375       586,012       584,244       610,681  

Total interest-bearing deposits

     1,039,315       1,053,644       1,059,713       1,067,239       1,084,830  

Borrowings

     441,716       333,249       296,111       326,068       440,252  

Total interest-bearing liabilities

     1,481,031       1,386,893       1,355,824       1,393,307       1,525,082  

Noninterest-bearing demand deposits

     143,296       177,217       153,591       154,070       152,900  

Noninterest-bearing liabilities

     51,840       63,866       43,683       36,962       41,232  

Total liabilities

     1,676,167       1,627,976       1,553,098       1,584,339       1,719,214  

Equity

     371,964       374,639       388,656       404,184       429,417  

Total liabilities and equity

   $ 2,048,131     $ 2,002,615     $ 1,941,754     $ 1,988,523     $ 2,148,631  
                                         

Average Yield/Costs (annualized)

                                        

Loans receivable and held for sale

     4.87 %     4.69 %     4.32 %     4.07 %     4.02 %

Mortgage related securities

     2.25 %     2.13 %     2.07 %     1.96 %     1.76 %

Debt securities, federal funds sold and short term investments

     3.71 %     3.35 %     2.41 %     1.56 %     0.72 %

Total interest-earning assets

     4.57 %     4.36 %     3.93 %     3.52 %     3.02 %
                                         

Demand accounts

     0.08 %     0.08 %     0.08 %     0.09 %     0.08 %

Money market and savings accounts

     1.26 %     0.67 %     0.21 %     0.19 %     0.21 %

Certificates of deposit

     1.92 %     1.10 %     0.51 %     0.37 %     0.37 %

Total interest-bearing deposits

     1.60 %     0.89 %     0.37 %     0.28 %     0.29 %

Borrowings

     3.68 %     3.23 %     2.34 %     1.95 %     2.20 %

Total interest-bearing liabilities

     2.22 %     1.45 %     0.80 %     0.67 %     0.84 %

 

 
 

 

COMMUNITY BANKING SEGMENT

SUMMARY OF KEY QUARTERLY FINANCIAL DATA

(Unaudited)

 

   

At or For the Three Months Ended

  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  
   

2023

    

2022

    

2022

    

2022

    

2022

  
   

(Dollars in Thousands)

  

Condensed Results of Operations:

                                        

Net interest income

   $ 14,008     $ 15,737     $ 15,507     $ 13,710     $ 11,652  

Provision (credit) for credit losses

     388       624       234       (41 )     (140 )

Total noninterest income

     987       1,033       1,116       1,640       1,432  

Noninterest expenses:

                                        

Compensation, payroll taxes, and other employee benefits

     5,168       4,781       4,424       4,596       5,212  

Occupancy, office furniture and equipment

     1,031       877       955       876       937  

Advertising

     184       203       213       244       227  

Data processing

     601       551       539       531       608  

Communications

     78       92       108       63       94  

Professional fees

     218       153       123       118       114  

Real estate owned

     1       13       1       -       5  

Loan processing expense

     -       -       -       -       -  

Other

     896       2,468       1,477       1,006       600  

Total noninterest expense

     8,177       9,138       7,840       7,434       7,797  

Income before income taxes

     6,430       7,008       8,549       7,957       5,427  

Income tax expense

     1,600       1,308       1,983       1,658       1,167  

Net income

   $ 4,830     $ 5,700     $ 6,566     $ 6,299     $ 4,260  
                                         

Efficiency ratio - QTD (non-GAAP)

     54.53 %     54.49 %     47.16 %     48.43 %     59.59 %

Efficiency ratio - YTD (non-GAAP)

     54.53 %     52.10 %     51.20 %     53.57 %     59.59 %

 

 
 

 

MORTGAGE BANKING SEGMENT

SUMMARY OF KEY QUARTERLY FINANCIAL DATA

(Unaudited)

 

    At or For the Three Months Ended  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  
   

2023

    

2022

    

2022

    

2022

    

2022

  
   

(Dollars in Thousands)

  

Condensed Results of Operations:

                                        

Net interest (loss) income

   $ (282 )   $ (241 )   $ (155 )   $ 370     $ 183  

Provision for credit losses

     72       40       98       89       64  

Total noninterest income

     17,951       18,066       27,305       30,126       28,604  

Noninterest expenses:

                                        

Compensation, payroll taxes, and other employee benefits

     15,099       17,397       21,864       21,311       20,438  

Occupancy, office furniture and equipment

     1,232       1,289       1,341       1,180       1,251  

Advertising

     705       769       924       718       678  

Data processing

     516       490       543       613       588  

Communications

     173       197       194       195       246  

Professional fees

     188       453       265       222       338  

Real estate owned

     -       -       -       -       -  

Loan processing expense

     1,018       1,059       1,120       1,134       1,431  

Other

     2,403       2,584       2,571       2,733       2,309  

Total noninterest expense

     21,334       24,238       28,822       28,106       27,279  

(Loss) income before income taxes

     (3,737 )     (6,453 )     (1,770 )     2,301       1,444  

Income tax (benefit) expense

     (1,002 )     (1,602 )     (470 )     578       377  

Net (loss) income

   $ (2,735 )   $ (4,851 )   $ (1,300 )   $ 1,723     $ 1,067  
                                         

Efficiency ratio - QTD (non-GAAP)

     120.74 %     135.98 %     106.16 %     92.16 %     94.76 %

Efficiency ratio - YTD (non-GAAP)

     120.74 %     104.02 %     97.42 %     93.42 %     94.76 %
                                         

Loan originations

   $ 442,710     $ 546,628     $ 729,897     $ 778,760     $ 708,463  

Purchase

     96.5 %     95.6 %     94.2 %     90.4 %     77.3 %

Refinance

     3.5 %     4.4 %     5.8 %     9.6 %     22.7 %

Gross margin on loans sold(1)

     3.78 %     3.41 %     3.70 %     3.85 %     4.00 %

 

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

 

 
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Entity, Incorporation, State or Country Code MD
Entity, File Number 001-36271
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Entity, Address, Address Line One 11200 W Plank Ct
Entity, Address, City or Town Wauwatosa
Entity, Address, State or Province WI
Entity, Address, Postal Zip Code 53226
City Area Code 414
Local Phone Number 761-1000
Title of 12(b) Security Common Stock, $0.01 Par Value
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Security Exchange Name NASDAQ
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