$WSBF
Waterstone Financial, Inc.

2019 Q4 Form 10-Q Financial Statement

#000156999419000061 Filed on November 01, 2019

View on sec.gov

Income Statement

Concept 2019 Q4 2019 Q3 2018 Q3
Revenue $20.38M $19.05M
YoY Change 6.99%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $700.0K $700.0K $600.0K
YoY Change -76.67% 16.67% 0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $7.224M $5.196M
YoY Change 39.03%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $11.77M $14.50M $11.45M
YoY Change 62.12% 26.65% -2.59%
Income Tax $2.970M $3.572M $2.743M
% Of Pretax Income 25.23% 24.64% 23.96%
Net Earnings $8.790M $10.92M $8.703M
YoY Change 54.75% 25.52% 17.77%
Net Earnings / Revenue 53.61% 45.69%
Basic Earnings Per Share $0.42 $0.32
Diluted Earnings Per Share $339.8K $0.42 $0.31
COMMON SHARES
Basic Shares Outstanding 27.15M 25.77M 27.45M
Diluted Shares Outstanding 25.96M 27.68M

Balance Sheet

Concept 2019 Q4 2019 Q3 2018 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $74.30M $66.19M $58.86M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $25.03M $24.89M $22.40M
YoY Change 2.06% 11.11% -2.18%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.996B $2.005B $1.919B
YoY Change 4.23% 4.48% 3.52%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $13.10M $35.80M $30.50M
YoY Change 197.73% 17.38% 21.51%
Deferred Revenue
YoY Change
Short-Term Debt $13.60M $25.80M $16.10M
YoY Change 172.0% 60.25% -36.86%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $13.10M $35.80M $30.50M
YoY Change 197.73% 17.38% 21.51%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $38.20M $27.00M $28.70M
YoY Change 1.06% -5.92% 15.73%
Total Long-Term Liabilities $38.20M $27.00M $28.70M
YoY Change 1.06% -5.92% 15.73%
TOTAL LIABILITIES
Total Short-Term Liabilities $13.10M $35.80M $30.50M
Total Long-Term Liabilities $38.20M $27.00M $28.70M
Total Liabilities $1.603B $1.618B $1.515B
YoY Change 5.74% 6.83% 5.03%
SHAREHOLDERS EQUITY
Retained Earnings $197.4M $191.7M
YoY Change 5.47%
Common Stock $271.0K $271.0K
YoY Change -4.91%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $393.7M $387.2M $404.6M
YoY Change
Total Liabilities & Shareholders Equity $1.996B $2.005B $1.919B
YoY Change 4.23% 4.48% 3.52%

Cashflow Statement

Concept 2019 Q4 2019 Q3 2018 Q3
OPERATING ACTIVITIES
Net Income $8.790M $10.92M $8.703M
YoY Change 54.75% 25.52% 17.77%
Depreciation, Depletion And Amortization $700.0K $700.0K $600.0K
YoY Change -76.67% 16.67% 0.0%
Cash From Operating Activities $28.10M $29.60M -$38.40M
YoY Change -56.9% -177.08% -220.0%
INVESTING ACTIVITIES
Capital Expenditures -$900.0K -$500.0K -$700.0K
YoY Change -66.67% -28.57% 250.0%
Acquisitions
YoY Change
Other Investing Activities -$900.0K -$10.90M -$7.400M
YoY Change -96.6% 47.3% -72.89%
Cash From Investing Activities -$1.800M -$11.50M -$8.000M
YoY Change -93.84% 43.75% -70.91%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -18.20M -22.00M 27.20M
YoY Change 106.82% -180.88% -165.38%
NET CHANGE
Cash From Operating Activities 28.10M 29.60M -38.40M
Cash From Investing Activities -1.800M -11.50M -8.000M
Cash From Financing Activities -18.20M -22.00M 27.20M
Net Change In Cash 8.100M -3.900M -19.20M
YoY Change -70.22% -79.69% -48.25%
FREE CASH FLOW
Cash From Operating Activities $28.10M $29.60M -$38.40M
Capital Expenditures -$900.0K -$500.0K -$700.0K
Free Cash Flow $29.00M $30.10M -$37.70M
YoY Change -57.29% -179.84% -217.08%

Facts In Submission

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dei Amendment Flag
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dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
dei Document Period End Date
DocumentPeriodEndDate
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dei Entity Address State Or Province
EntityAddressStateOrProvince
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dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
dei Entity Registrant Name
EntityRegistrantName
Waterstone Financial, Inc.
dei Entity Central Index Key
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dei Document Fiscal Year Focus
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dei Document Fiscal Period Focus
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dei Document Type
DocumentType
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dei Entity Interactive Data Current
EntityInteractiveDataCurrent
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dei Entity Shell Company
EntityShellCompany
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dei Entity Emerging Growth Company
EntityEmergingGrowthCompany
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dei Entity Small Business
EntitySmallBusiness
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us-gaap Basis Of Accounting
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<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Note 1 &#8212; Basis of Presentation<!--Anchor--></div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The unaudited interim consolidated financial statements include the accounts of Waterstone Financial, Inc. (the &#8220;Company&#8221;) and the Company&#8217;s subsidiaries.</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">WaterStone Bank SSB (the "Bank") is a community bank that has served the banking needs of its customers since 1921. WaterStone Bank also has an active mortgage banking subsidiary, Waterstone Mortgage Corporation.</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">WaterStone Bank conducts its community banking business from 12 banking offices located in Milwaukee, Washington and Waukesha Counties, Wisconsin, as well as a loan production office in Minneapolis, Minnesota. WaterStone Bank's principal lending activity is originating one- to four-family, multi-family residential real estate, and commercial real estate loans for retention in its portfolio. WaterStone Bank also offers home equity loans and lines of credit, construction and land loans, commercial business loans, and consumer loans. WaterStone Bank funds its loan production primarily with retail deposits and Federal Home Loan Bank advances. Our deposit offerings include: certificates of deposit, money market savings accounts, transaction deposit accounts, non-interest bearing demand accounts and individual retirement accounts. Our investment securities portfolio is comprised principally of mortgage-backed securities, government-sponsored enterprise bonds and municipal obligations.</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">WaterStone Bank's mortgage banking operations are conducted through its wholly-owned subsidiary, Waterstone Mortgage Corporation.&#160; Waterstone Mortgage Corporation originates single-family residential real estate loans for sale into the secondary market.&#160; Waterstone Mortgage Corporation utilizes lines of credit provided by WaterStone Bank as a primary source of funds, and also utilizes a line of credit with another financial institution as needed.</div><div><br /></div></div><div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The accompanying unaudited consolidated financial statements have been prepared in accordance with generally accepted accounting principles (&#8220;GAAP&#8221;) for interim financial information, Rule 10-01 of Regulation S-X and the instructions to Form 10-Q. The financial statements do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting of normal recurring accruals) necessary to present fairly the financial position, results of operations, changes in shareholders&#8217; equity, and cash flows of the Company for the periods presented.</div><div><br /></div></div><div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The accompanying unaudited consolidated financial statements and related notes should be read in conjunction with the Company&#8217;s December 31, 2018 Annual Report on Form 10-K. Operating results for the three and nine months ended September 30, 2019 are not necessarily indicative of the results that may be expected for the year ending December 31, 2019 or for any other period.</div><div><br /></div></div><div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The preparation of the unaudited consolidated financial statements requires management of the Company to make a number of estimates and assumptions relating to the reported amount of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the period. Significant items subject to such estimates and assumptions include the allowance for loan losses, deferred income taxes and real estate owned. Actual results could differ from those estimates.</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Certain prior period amounts have been reclassified to conform to current period presentation.&#160; These reclassifications did not result in any changes to previously reported net income.&#160; The Company reclassified the Cost of Shares Repurchased line item presented in prior periods to the Additional Paid in Capital line item in the Consolidated Statements of Financial Condition.&#160; The Cost of Shares Repurchased column was reclassified to the Additional Paid in Capital line in the Consolidated Statements of Changes in Shareholders&#8217; Equity.</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">Impact of Recent Accounting Pronouncements</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Accounting Standards Codification ("ASC") Topic 606 "Revenue from Contracts with Customers." </font> Authoritative accounting guidance under ASC Topic 606, "Revenue from Contracts with Customers" amended prior guidance to require an entity to recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services and to provide clarification on identifying performance obligations and licensing implementation guidance. The Company's revenue is comprised of interest and non-interest revenue. The guidance does not apply to revenue associated with financial instruments, including loans and securities.&#160; The Company completed its overall assessment of revenue streams and related contracts affected by the guidance, including asset management fees, deposit related fees, and other non-interest related fees.&#160; The Company adopted ASC 606 as of January 1, 2018 with no impact on total shareholders' equity or net income.</div><div><br /></div><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">Revenue Recognition</div><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div><table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;"><tr><td colspan="2" style="width: 100%; vertical-align: middle;"><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Company recognizes revenue as it is earned and noted no impact to its revenue recognition policies as a result of the adoption of ASC 606.&#160; The following is a discussion of revenues within the scope of the new revenue guidance:</div><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 6.79%; vertical-align: top;"><div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#9679;</div></td><td style="width: 93.21%; vertical-align: middle;"><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Debit and credit card interchange fee income</font> - Card processing fees consist of interchange fees from consumer debit and credit card networks and other card related services.&#160; Interchange fees are based on purchase volumes and other factors and are recognized as transactions occur.</div></td></tr><tr><td style="width: 6.79%; vertical-align: top;"><div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#9679;</div></td><td style="width: 93.21%; vertical-align: top;"><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Service charges on deposit accounts</font> - Revenue from service charges on deposit accounts is earned through deposit-related services; as well as overdraft, non-sufficient funds, account management and other deposit-related fees.&#160; Revenue is recognized for these services either over time, corresponding with deposit accounts' monthly cycles, or at a point in time for transactional related services and fees.</div></td></tr><tr><td style="width: 6.79%; vertical-align: top;"><div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#9679;</div></td><td style="width: 93.21%; vertical-align: top;"><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Service charges on loan accounts</font> - Revenue from loan accounts consists primarily of fees earned on prepayment penalties.&#160; Revenue is recognized for these services at a point in time for transactional related services and fees.</div></td></tr></table><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">ASC Topic 842 "Leases."</font> Authoritative accounting guidance under ASC Topic 842, "Leases" amended prior guidance to require lessees to recognize the assets and liabilities arising from all leases on the balance sheet. The authoritative guidance defines a lease as a contract, or part of a contract, that conveys the right to control the use of identified property, plant, or equipment (an identified asset) for a period of time in exchange for consideration. In addition, the qualifications for a sale and leaseback transaction have been amended. The authoritative guidance also requires qualitative and quantitative disclosures by lessees and lessors to meet the objective of enabling users of financial statements to assess the amount, timing, and uncertainty of cash flows arising from leases. The Company used a prospective approach. The Company adopted ASC 842 as of January 1, 2019 with no impact on statement of income.&#160; See the impact on the financial condition discussed in Note 16.</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">ASC Topic 326 "Financial Instruments - Credit Losses."</font> Authoritative accounting guidance under ASC Topic 326, "Financial Instruments - Credit Losses" amended the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information for credit loss estimates. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. The authoritative guidance also requires a financial asset (or a group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected (net of the allowance for credit losses). In addition, the credit losses relating to available-for-sale debt securities should be recorded through an allowance for credit losses rather than a write-down. The authoritative guidance will be effective for reporting periods after January 1, 2020. The Company has input the available historical Company data to build an internal model and is reviewing the assumptions to support the calculation. Management is reviewing and communicating the changes to the accounting standard with the appropriate departments. The Company is in process of completing a CECL calculation.</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">ASC Topic 310 "Receivables - Nonrefundable Fees and Other Costs." </font>Authoritative accounting guidance under ASC Topic 310, "Receivables - Nonrefundable Fees and Other Costs" amends prior guidance by shortening the amortization period for certain callable debt securities held at a premium requiring the premium to be amortized to the earliest call date. The Company adopted ASC 310 as of January 1, 2019 with no material impact on the Company's statements of operations or financial condition.</div><div><br /></div><div><br /></div></div></div>
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CY2019Q3 us-gaap Common Equity Tier One Capital
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387199000
CY2018Q4 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
401317000
CY2018Q3 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.12
CY2019Q3 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.12
us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.86
us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.86
CY2019Q3 us-gaap Common Equity Tier One Capital Required For Capital Adequacy
CommonEquityTierOneCapitalRequiredForCapitalAdequacy
69906000
CY2018Q4 us-gaap Common Equity Tier One Capital Required For Capital Adequacy
CommonEquityTierOneCapitalRequiredForCapitalAdequacy
66097000
CY2018Q4 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.01
CY2019Q3 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.01
CY2019Q3 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
27147260
CY2018Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
28463239
CY2018Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
100000000
CY2019Q3 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
100000000
CY2018Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
28463239
CY2019Q3 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
27147260
CY2019Q3 us-gaap Common Stock Value
CommonStockValue
271000
CY2018Q4 us-gaap Common Stock Value
CommonStockValue
285000
us-gaap Communication
Communication
1229000
CY2019Q3 us-gaap Communication
Communication
358000
us-gaap Communication
Communication
1039000
CY2018Q3 us-gaap Communication
Communication
412000
CY2018Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
8063000
CY2019Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
10918000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
30119000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
21745000
CY2018Q3 us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
8063000
us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
30119000
us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
21745000
CY2019Q3 us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
10918000
CY2019Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
21562000
CY2018Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
104766000
CY2018Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
3711000
CY2019Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
1729000
CY2018Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
118476000
CY2019Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
30848000
CY2019Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
9286000
CY2018Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
13710000
CY2019Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
1658000
CY2018Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
3672000
CY2019Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
71000
CY2018Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
39000
CY2019Q3 us-gaap Demand Deposit Accounts
DemandDepositAccounts
122309000
CY2018Q4 us-gaap Demand Deposit Accounts
DemandDepositAccounts
139111000
CY2018Q4 us-gaap Deposits
Deposits
1038495000
CY2019Q3 us-gaap Deposits
Deposits
1039569000
CY2019Q3 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
184183000
CY2018Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
163511000
us-gaap Depreciation
Depreciation
1829000
us-gaap Depreciation
Depreciation
1704000
CY2019Q3 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
3064000
us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
22582000
us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
23732000
CY2018Q3 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
3273000
CY2019Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.42
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.03
CY2018Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.31
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.90
CY2018Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.32
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.91
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.04
CY2019Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.42
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.241
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.243
CY2018Q4 us-gaap Fair Value Option Loans Held As Assets90 Days Or More Past Due
FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue
0
CY2019Q3 us-gaap Fair Value Option Loans Held As Assets90 Days Or More Past Due
FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue
CY2018Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
19400000
CY2019Q3 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
22100000
CY2018Q4 us-gaap Federal Funds Sold
FederalFundsSold
25100000
CY2019Q3 us-gaap Federal Funds Sold
FederalFundsSold
11268000
CY2018Q4 us-gaap Federal Home Loan Bank Stock
FederalHomeLoanBankStock
19350000
CY2019Q3 us-gaap Federal Home Loan Bank Stock
FederalHomeLoanBankStock
22050000
CY2019Q3 us-gaap Federal Home Loan Bank Advances
FederalHomeLoanBankAdvances
490000000
CY2018Q4 us-gaap Federal Home Loan Bank Advances
FederalHomeLoanBankAdvances
430000000
CY2018Q3 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
837000
us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
2729000
us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
2542000
CY2019Q3 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
858000
CY2019Q3 us-gaap Fees And Commissions Mortgage Banking And Servicing
FeesAndCommissionsMortgageBankingAndServicing
36062000
CY2018Q3 us-gaap Fees And Commissions Mortgage Banking And Servicing
FeesAndCommissionsMortgageBankingAndServicing
32653000
us-gaap Fees And Commissions Mortgage Banking And Servicing
FeesAndCommissionsMortgageBankingAndServicing
93526000
us-gaap Fees And Commissions Mortgage Banking And Servicing
FeesAndCommissionsMortgageBankingAndServicing
88930000
CY2018Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
6950000
CY2019Q3 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
8531000
us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
11
CY2018 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
12
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
122000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
82000
CY2019Q3 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
4078000
CY2018Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
6732000
CY2018Q3 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
CY2019Q3 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
CY2018Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
990000000000
CY2019Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
1400000
CY2019Q3 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
1376802000
CY2018Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
1372198000
CY2018Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1367048000
CY2019Q3 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1376000000
CY2018Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
186000
CY2019Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
52000
CY2019Q3 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
9333000
CY2018Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
12100000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
291000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
150000
CY2017Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
14077000
CY2018Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
13249000
CY2018Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
13226000
CY2019Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
12547000
CY2018Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
13063000
CY2019Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
12495000
CY2019Q3 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
167000
CY2019Q3 us-gaap Finite Lived Intangible Assets Amortization Expense After Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive
53000
CY2019Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
10000
CY2019Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
31000
CY2019Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseYearFive
21000
CY2019Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
28000
CY2019Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
24000
CY2019Q3 us-gaap Foreclosed Assets
ForeclosedAssets
2600000
CY2018Q4 us-gaap Foreclosed Assets
ForeclosedAssets
2200000
us-gaap Gain Loss On Sale Of Other Assets
GainLossOnSaleOfOtherAssets
20000
us-gaap Gain Loss On Sale Of Other Assets
GainLossOnSaleOfOtherAssets
211000
us-gaap Gain Loss On Sale Of Loans And Leases
GainLossOnSaleOfLoansAndLeases
85366000
us-gaap Gain Loss On Sale Of Loans And Leases
GainLossOnSaleOfLoansAndLeases
96024000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
9635000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
9559000
us-gaap Impaired Financing Receivable With Related Allowance Interest Income Cash Basis Method
ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod
28000
us-gaap Impaired Financing Receivable With Related Allowance Interest Income Cash Basis Method
ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod
11000
us-gaap Impaired Financing Receivable With No Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
9283000
us-gaap Impaired Financing Receivable With No Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
9060000
us-gaap Impaired Financing Receivable With Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
276000
us-gaap Impaired Financing Receivable With Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
575000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
405000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
454000
CY2019Q3 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
270000
CY2018Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
3062000
CY2019Q3 us-gaap Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
10914000
CY2018Q4 us-gaap Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
10811000
CY2019Q3 us-gaap Impaired Financing Receivable With Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
679000
CY2018Q4 us-gaap Impaired Financing Receivable With Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
3471000
CY2018Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
9038000
CY2019Q3 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
9063000
us-gaap Impaired Financing Receivable With No Related Allowance Interest Income Cash Basis Method
ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod
443000
us-gaap Impaired Financing Receivable With No Related Allowance Interest Income Cash Basis Method
ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod
377000
CY2019Q3 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
9333000
CY2018Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
12100000
CY2018Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
186000
CY2019Q3 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
52000
CY2019Q3 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
11593000
CY2018Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
14282000
CY2019Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
14496000
us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
33024000
us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
35806000
CY2018Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
11446000
CY2019Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3572000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
8697000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
7948000
CY2018Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2743000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
7763000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
6709000
us-gaap Increase Decrease In Advance Payments By Borrowers For Taxes And Insurance
IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance
13268000
us-gaap Increase Decrease In Advance Payments By Borrowers For Taxes And Insurance
IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance
10961000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
457000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
248000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
268000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
92000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
1074000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
37070000
us-gaap Increase Decrease In Income Taxes Receivable
IncreaseDecreaseInIncomeTaxesReceivable
266000
us-gaap Increase Decrease In Income Taxes Receivable
IncreaseDecreaseInIncomeTaxesReceivable
-1812000
us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
4185000
us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
6934000
CY2019Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
190000
CY2018Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
229000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
204000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
277000
CY2019Q3 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
1003000
CY2018Q3 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
809000
us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
2057000
us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
2641000
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
49498000
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
53688000
CY2019Q3 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
18558000
CY2018Q3 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
17340000
CY2019Q3 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
20378000
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
59463000
CY2018Q3 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
19046000
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
54372000
CY2018Q3 us-gaap Interest Expense
InterestExpense
5196000
us-gaap Interest Expense
InterestExpense
20392000
CY2019Q3 us-gaap Interest Expense
InterestExpense
7224000
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
11031000
us-gaap Interest Expense
InterestExpense
13661000
us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
7579000
us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
5574000
CY2018Q3 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
2133000
CY2019Q3 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
2745000
us-gaap Interest Expense Deposits
InterestExpenseDeposits
8087000
us-gaap Interest Expense Deposits
InterestExpenseDeposits
12813000
CY2019Q3 us-gaap Interest Expense Deposits
InterestExpenseDeposits
4479000
CY2018Q3 us-gaap Interest Expense Deposits
InterestExpenseDeposits
3063000
us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
39071000
CY2018Q3 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
13850000
us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
40711000
CY2019Q3 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
13154000
CY2019Q3 us-gaap Interest Income Securities State And Municipal
InterestIncomeSecuritiesStateAndMunicipal
1083000
us-gaap Interest Income Securities State And Municipal
InterestIncomeSecuritiesStateAndMunicipal
2949000
us-gaap Interest Income Securities State And Municipal
InterestIncomeSecuritiesStateAndMunicipal
3515000
CY2018Q3 us-gaap Interest Income Securities State And Municipal
InterestIncomeSecuritiesStateAndMunicipal
1063000
us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
39801000
CY2019Q3 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
13234000
us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
41771000
CY2018Q3 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
13810000
us-gaap Interest Paid Net
InterestPaidNet
20300000
us-gaap Interest Paid Net
InterestPaidNet
13393000
us-gaap Interest Income Securities Mortgage Backed
InterestIncomeSecuritiesMortgageBacked
2260000
CY2018Q3 us-gaap Interest Income Securities Mortgage Backed
InterestIncomeSecuritiesMortgageBacked
643000
us-gaap Interest Income Securities Mortgage Backed
InterestIncomeSecuritiesMortgageBacked
1925000
CY2019Q3 us-gaap Interest Income Securities Mortgage Backed
InterestIncomeSecuritiesMortgageBacked
737000
CY2019Q3 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
9556000
CY2018Q4 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
12767000
us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
1272000
us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
1332000
CY2018Q3 us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
442000
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CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
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3381000
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1611000
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809000
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CY2014 us-gaap Other Than Temporary Impairment Credit Losses Recognized In Earnings Additions Additional Credit Losses
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CY2019Q3 us-gaap Other Than Temporary Impairment Credit Losses Recognized In Earnings Credit Losses On Debt Securities Held
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us-gaap Payments For Proceeds From Federal Home Loan Bank Stock
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us-gaap Payments To Acquire Mortgage Backed Securities Mbs Categorized As Available For Sale
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8590000
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us-gaap Proceeds From Sale Of Loans Held For Sale
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us-gaap Proceeds From Sale Of Mortgage Backed Securities Mbs Categorized As Available For Sale
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us-gaap Proceeds From Sale Of Available For Sale Securities Debt
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63000
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us-gaap Servicing Asset At Fair Value Additions
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691000
CY2019Q3 us-gaap Stock Issued During Period Value Share Based Compensation
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CY2019Q3 us-gaap Tier One Leverage Capital
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us-gaap Transfer Of Other Real Estate
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us-gaap Transfer Of Other Real Estate
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us-gaap Use Of Estimates
UseOfEstimates
<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The preparation of the unaudited consolidated financial statements requires management of the Company to make a number of estimates and assumptions relating to the reported amount of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the period. Significant items subject to such estimates and assumptions include the allowance for loan losses, deferred income taxes and real estate owned. Actual results could differ from those estimates.</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Certain prior period amounts have been reclassified to conform to current period presentation.&#160; These reclassifications did not result in any changes to previously reported net income.&#160; The Company reclassified the Cost of Shares Repurchased line item presented in prior periods to the Additional Paid in Capital line item in the Consolidated Statements of Financial Condition.&#160; The Cost of Shares Repurchased column was reclassified to the Additional Paid in Capital line in the Consolidated Statements of Changes in Shareholders&#8217; Equity.</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">Impact of Recent Accounting Pronouncements</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Accounting Standards Codification ("ASC") Topic 606 "Revenue from Contracts with Customers." </font> Authoritative accounting guidance under ASC Topic 606, "Revenue from Contracts with Customers" amended prior guidance to require an entity to recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services and to provide clarification on identifying performance obligations and licensing implementation guidance. The Company's revenue is comprised of interest and non-interest revenue. The guidance does not apply to revenue associated with financial instruments, including loans and securities.&#160; The Company completed its overall assessment of revenue streams and related contracts affected by the guidance, including asset management fees, deposit related fees, and other non-interest related fees.&#160; The Company adopted ASC 606 as of January 1, 2018 with no impact on total shareholders' equity or net income.</div><div><br /></div><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">Revenue Recognition</div><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;</div><table cellpadding="0" cellspacing="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;"><tr><td colspan="2" style="width: 100%; vertical-align: middle;"><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Company recognizes revenue as it is earned and noted no impact to its revenue recognition policies as a result of the adoption of ASC 606.&#160; The following is a discussion of revenues within the scope of the new revenue guidance:</div><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div></td></tr><tr><td style="width: 6.79%; vertical-align: top;"><div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#9679;</div></td><td style="width: 93.21%; vertical-align: middle;"><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Debit and credit card interchange fee income</font> - Card processing fees consist of interchange fees from consumer debit and credit card networks and other card related services.&#160; Interchange fees are based on purchase volumes and other factors and are recognized as transactions occur.</div></td></tr><tr><td style="width: 6.79%; vertical-align: top;"><div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#9679;</div></td><td style="width: 93.21%; vertical-align: top;"><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Service charges on deposit accounts</font> - Revenue from service charges on deposit accounts is earned through deposit-related services; as well as overdraft, non-sufficient funds, account management and other deposit-related fees.&#160; Revenue is recognized for these services either over time, corresponding with deposit accounts' monthly cycles, or at a point in time for transactional related services and fees.</div></td></tr><tr><td style="width: 6.79%; vertical-align: top;"><div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#9679;</div></td><td style="width: 93.21%; vertical-align: top;"><div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Service charges on loan accounts</font> - Revenue from loan accounts consists primarily of fees earned on prepayment penalties.&#160; Revenue is recognized for these services at a point in time for transactional related services and fees.</div></td></tr></table><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">ASC Topic 842 "Leases."</font> Authoritative accounting guidance under ASC Topic 842, "Leases" amended prior guidance to require lessees to recognize the assets and liabilities arising from all leases on the balance sheet. The authoritative guidance defines a lease as a contract, or part of a contract, that conveys the right to control the use of identified property, plant, or equipment (an identified asset) for a period of time in exchange for consideration. In addition, the qualifications for a sale and leaseback transaction have been amended. The authoritative guidance also requires qualitative and quantitative disclosures by lessees and lessors to meet the objective of enabling users of financial statements to assess the amount, timing, and uncertainty of cash flows arising from leases. The Company used a prospective approach. The Company adopted ASC 842 as of January 1, 2019 with no impact on statement of income.&#160; See the impact on the financial condition discussed in Note 16.</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">ASC Topic 326 "Financial Instruments - Credit Losses."</font> Authoritative accounting guidance under ASC Topic 326, "Financial Instruments - Credit Losses" amended the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information for credit loss estimates. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. The authoritative guidance also requires a financial asset (or a group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected (net of the allowance for credit losses). In addition, the credit losses relating to available-for-sale debt securities should be recorded through an allowance for credit losses rather than a write-down. The authoritative guidance will be effective for reporting periods after January 1, 2020. The Company has input the available historical Company data to build an internal model and is reviewing the assumptions to support the calculation. Management is reviewing and communicating the changes to the accounting standard with the appropriate departments. The Company is in process of completing a CECL calculation.</div><div><br /></div><div style="text-align: justify; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">ASC Topic 310 "Receivables - Nonrefundable Fees and Other Costs." </font>Authoritative accounting guidance under ASC Topic 310, "Receivables - Nonrefundable Fees and Other Costs" amends prior guidance by shortening the amortization period for certain callable debt securities held at a premium requiring the premium to be amortized to the earliest call date. The Company adopted ASC 310 as of January 1, 2019 with no material impact on the Company's statements of operations or financial condition.</div><div><br /></div><div><br /></div></div></div>
CY2018Q3 us-gaap Valuation Allowance For Impairment Of Recognized Servicing Assets Balance
ValuationAllowanceForImpairmentOfRecognizedServicingAssetsBalance
0
CY2019Q3 us-gaap Valuation Allowance For Impairment Of Recognized Servicing Assets Balance
ValuationAllowanceForImpairmentOfRecognizedServicingAssetsBalance
99000
us-gaap Variable Lease Cost
VariableLeaseCost
527000
CY2019Q3 us-gaap Variable Lease Cost
VariableLeaseCost
111000
CY2018Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
27451000
CY2019Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25772000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
26168000
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
27488000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
26372000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
27765000
CY2019Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25962000
CY2018Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
27680000
CY2019Q3 wsbf Number Of Branch Locations
NumberOfBranchLocations
2
CY2018Q3 wsbf Segment Loan Processing Expense
SegmentLoanProcessingExpense
837000
wsbf Segment Loan Processing Expense
SegmentLoanProcessingExpense
2729000
wsbf Segment Loan Processing Expense
SegmentLoanProcessingExpense
2542000
CY2019Q3 wsbf Segment Loan Processing Expense
SegmentLoanProcessingExpense
858000
wsbf Real Estate Sales
RealEstateSales
2632000
wsbf Real Estate Sales
RealEstateSales
1201000
wsbf Sales Of Mortgage Servicing Rights
SalesOfMortgageServicingRights
0
wsbf Gain On Sale Of Msr
GainOnSaleOfMSR
0
wsbf Gain On Sale Of Msr
GainOnSaleOfMSR
0
wsbf Mortgage Servicing Rights Sold
MortgageServicingRightsSold
0
wsbf Mortgage Servicing Rights Sold
MortgageServicingRightsSold
0
wsbf Mortgage Servicing Rights Book Value
MortgageServicingRightsBookValue
0
wsbf Mortgage Servicing Rights Book Value
MortgageServicingRightsBookValue
0
CY2018Q4 wsbf Loans Sold On Servicing Retained Basis
LoansSoldOnServicingRetainedBasis
14100000
CY2018Q3 wsbf Loans Sold On Servicing Retained Basis
LoansSoldOnServicingRetainedBasis
158300000
CY2019Q3 wsbf Loans Sold On Servicing Retained Basis
LoansSoldOnServicingRetainedBasis
37700000
wsbf Generated Mortgage Banking Income
GeneratedMortgageBankingIncome
93500000
wsbf Generated Mortgage Banking Income
GeneratedMortgageBankingIncome
88900000
CY2018Q3 wsbf Servicing Asset At Amortized Cost Net Of Valuation Allowance
ServicingAssetAtAmortizedCostNetOfValuationAllowance
1099000
CY2019Q3 wsbf Servicing Asset At Amortized Cost Net Of Valuation Allowance
ServicingAssetAtAmortizedCostNetOfValuationAllowance
167000
wsbf Sales Of Loans Held For Sale
SalesOfLoansHeldForSale
2090000
wsbf Sales Of Loans Held For Sale
SalesOfLoansHeldForSale
2000000
wsbf Loans Originated For Sale Residential
LoansOriginatedForSaleResidential
1900000
wsbf Loans Originated For Sale Residential
LoansOriginatedForSaleResidential
2090000
CY2018Q4 wsbf Total Impaired Loans With No Reserve Cumulative Charge Offs
TotalImpairedLoansWithNoReserveCumulativeChargeOffs
1773000
CY2019Q3 wsbf Total Impaired Loans With No Reserve Cumulative Charge Offs
TotalImpairedLoansWithNoReserveCumulativeChargeOffs
1851000
CY2018Q4 wsbf Total Impaired Loans With Reserve Cumulative Charge Offs
TotalImpairedLoansWithReserveCumulativeChargeOffs
409000
CY2019Q3 wsbf Total Impaired Loans With Reserve Cumulative Charge Offs
TotalImpairedLoansWithReserveCumulativeChargeOffs
409000
CY2019Q3 wsbf Total Impaired Loans Cumulative Charge Offs
TotalImpairedLoansCumulativeChargeOffs
2260000
CY2018Q4 wsbf Total Impaired Loans Cumulative Charge Offs
TotalImpairedLoansCumulativeChargeOffs
2182000
wsbf Maximum Period Of Time Loan Reviewed Under Renewal Condition
MaximumPeriodOfTimeLoanReviewedUnderRenewalCondition
P1Y
CY2018Q4 wsbf Total Impaired Loans With No Reserve Reserve
TotalImpairedLoansWithNoReserveReserve
0
CY2019Q3 wsbf Total Impaired Loans With No Reserve Reserve
TotalImpairedLoansWithNoReserveReserve
0
CY2019Q3 wsbf Total Impaired Loans With Reserve Reserve
TotalImpairedLoansWithReserveReserve
52000
CY2018Q4 wsbf Total Impaired Loans With Reserve Reserve
TotalImpairedLoansWithReserveReserve
186000
wsbf Minimum Amount Of Potential Loan Exposure To Be Reviewed By Credit Management Personnel
MinimumAmountOfPotentialLoanExposureToBeReviewedByCreditManagementPersonnel
1000000
wsbf Loans Requiring Officers Loans Committee Review And Approval Minimum
LoansRequiringOfficersLoansCommitteeReviewAndApprovalMinimum
500000
wsbf Period Of Time Sales Of Real Estate Owned Fair Value Is Based
PeriodOfTimeSalesOfRealEstateOwnedFairValueIsBased
P2Y
CY2019Q3 wsbf Impaired Financing Receivable With No Related Allowance Reduce Unpaid Principal Balance
ImpairedFinancingReceivableWithNoRelatedAllowanceReduceUnpaidPrincipalBalance
1900000
CY2019Q3 wsbf Amortized Cost
AmortizedCost
116000
CY2018Q3 wsbf Amortized Cost
AmortizedCost
116000
wsbf Period Of Home Equity Loans Available To The Borrower
PeriodOfHomeEquityLoansAvailableToTheBorrower
P10Y
CY2019Q3 wsbf Reclassification For Net Deferred Tax Liability Revaluation
ReclassificationForNetDeferredTaxLiabilityRevaluation
0
CY2018Q3 wsbf Reclassification For Net Deferred Tax Liability Revaluation
ReclassificationForNetDeferredTaxLiabilityRevaluation
0
wsbf Reclassification For Net Deferred Tax Liability Revaluation
ReclassificationForNetDeferredTaxLiabilityRevaluation
-5000
wsbf Reclassification For Net Deferred Tax Liability Revaluation
ReclassificationForNetDeferredTaxLiabilityRevaluation
0
CY2018Q4 wsbf Common Equity Tier I Capital To Risk Weighted Capital Adequacy
CommonEquityTierICapitalToRiskWeightedCapitalAdequacy
0.0450
CY2019Q3 wsbf Common Equity Tier I Capital To Risk Weighted Capital Adequacy
CommonEquityTierICapitalToRiskWeightedCapitalAdequacy
0.0450
CY2018Q4 wsbf Common Equity Tier1 Capital To Risk Weighted Assets
CommonEquityTier1CapitalToRiskWeightedAssets
0.2732
CY2019Q3 wsbf Common Equity Tier1 Capital To Risk Weighted Assets
CommonEquityTier1CapitalToRiskWeightedAssets
0.2492
CY2018Q4 wsbf Common Equity Tier I Capital To Risk Weighted In Hundredths Minimum Capital Adequacy With Capital Buffer
CommonEquityTierICapitalToRiskWeightedInHundredthsMinimumCapitalAdequacyWithCapitalBuffer
0.06375
CY2019Q3 wsbf Common Equity Tier I Capital To Risk Weighted In Hundredths Minimum Capital Adequacy With Capital Buffer
CommonEquityTierICapitalToRiskWeightedInHundredthsMinimumCapitalAdequacyWithCapitalBuffer
0.070
CY2018Q4 wsbf Tier One Risk Based Capital Required For Minimum Capital Adequacy With Capital Buffer To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForMinimumCapitalAdequacyWithCapitalBufferToRiskWeightedAssets
0.07875
CY2018Q4 wsbf Capital Required For Minimum Capital Adequacy With Capital Buffer To Risk Weighted Assets
CapitalRequiredForMinimumCapitalAdequacyWithCapitalBufferToRiskWeightedAssets
0.09875
CY2019Q3 wsbf Capital Required For Minimum Capital Adequacy With Capital Buffer To Risk Weighted Assets
CapitalRequiredForMinimumCapitalAdequacyWithCapitalBufferToRiskWeightedAssets
0.105
CY2019Q3 wsbf Common Equity Tier I Capital To Risk Weighted Assets Minimum Capital Adequacy With Capital Buffer
CommonEquityTierICapitalToRiskWeightedAssetsMinimumCapitalAdequacyWithCapitalBuffer
108743000
CY2018Q4 wsbf Common Equity Tier I Capital To Risk Weighted Assets Minimum Capital Adequacy With Capital Buffer
CommonEquityTierICapitalToRiskWeightedAssetsMinimumCapitalAdequacyWithCapitalBuffer
93638000
CY2018Q4 wsbf Tier One Risk Based Capital Required For Minimum Capital Adequacy With Capital Buffer
TierOneRiskBasedCapitalRequiredForMinimumCapitalAdequacyWithCapitalBuffer
115670000
CY2018Q4 wsbf Minimum Capital Adequacy With Capital Buffer
MinimumCapitalAdequacyWithCapitalBuffer
145046000
CY2019Q3 wsbf Minimum Capital Adequacy With Capital Buffer
MinimumCapitalAdequacyWithCapitalBuffer
163115000
CY2019Q3 wsbf Percentage Of Carrying Value Of Qualifying Of Multi Family Loans
PercentageOfCarryingValueOfQualifyingOfMultiFamilyLoans
0.64
CY2019Q3 wsbf Percentage Of Carrying Value Of Qualifying Of One To Four Family Loans
PercentageOfCarryingValueOfQualifyingOfOneToFourFamilyLoans
0.8
CY2019Q3 wsbf Percentage Of Carrying Value Of Qualifying Home Equity Loans
PercentageOfCarryingValueOfQualifyingHomeEquityLoans
0.75
wsbf Ratio Of Total Non Accrual Loans To Total Assets
RatioOfTotalNonAccrualLoansToTotalAssets
0.0031
CY2018 wsbf Ratio Of Total Non Accrual Loans To Total Assets
RatioOfTotalNonAccrualLoansToTotalAssets
0.0034
CY2018 wsbf Ratio Of Total Non Accrual Loans To Total Loans Net Of Allowance
RatioOfTotalNonAccrualLoansToTotalLoansNetOfAllowance
0.0048
wsbf Ratio Of Total Non Accrual Loans To Total Loans Net Of Allowance
RatioOfTotalNonAccrualLoansToTotalLoansNetOfAllowance
0.0046
CY2019Q3 wsbf Loans Receivable Modifications Total
LoansReceivableModificationsTotal
4078000
CY2018Q4 wsbf Loans Receivable Modifications Total
LoansReceivableModificationsTotal
6732000
CY2019Q3 wsbf Number Of Loans Total
NumberOfLoansTotal
11
CY2018Q4 wsbf Number Of Loans Total
NumberOfLoansTotal
12
CY2019Q3 wsbf Number Of Loans Performing In Accordance With Modified Terms
NumberOfLoansPerformingInAccordanceWithModifiedTerms
9
CY2018Q4 wsbf Number Of Loans Performing In Accordance With Modified Terms
NumberOfLoansPerformingInAccordanceWithModifiedTerms
10
CY2019Q3 wsbf Loans Receivable Modifications In Default Number
LoansReceivableModificationsInDefaultNumber
2
CY2018Q4 wsbf Loans Receivable Modifications In Default Number
LoansReceivableModificationsInDefaultNumber
2
CY2018Q4 wsbf Loans Receivable Modifications Loans In Default
LoansReceivableModificationsLoansInDefault
546000
CY2019Q3 wsbf Loans Receivable Modifications Loans In Default
LoansReceivableModificationsLoansInDefault
472000
CY2019Q3 wsbf Loans Receivable Modifications Loans Performing In Accordance With Modified Terms
LoansReceivableModificationsLoansPerformingInAccordanceWithModifiedTerms
3606000
CY2018Q4 wsbf Loans Receivable Modifications Loans Performing In Accordance With Modified Terms
LoansReceivableModificationsLoansPerformingInAccordanceWithModifiedTerms
6186000
CY2018Q4 wsbf Valuation Allowance With Respect To Troubled Debt Restructurings
ValuationAllowanceWithRespectToTroubledDebtRestructurings
67000
CY2019Q3 wsbf Valuation Allowance With Respect To Troubled Debt Restructurings
ValuationAllowanceWithRespectToTroubledDebtRestructurings
8000
CY2019Q3 wsbf Number Of Loans Modified As Troubled Debt Restructuring
NumberOfLoansModifiedAsTroubledDebtRestructuring
CY2018Q3 wsbf Number Of Loans Modified As Troubled Debt Restructuring
NumberOfLoansModifiedAsTroubledDebtRestructuring
wsbf Period Of Principal Forbearance Reduction In Interest Rate Or Both Included In Typical Restructured Terms
PeriodOfPrincipalForbearanceReductionInInterestRateOrBothIncludedInTypicalRestructuredTerms
P0M
wsbf Minimum Number Of Consecutive Contractual Payments Received Prior To Consideration For Return To Accrual Status
MinimumNumberOfConsecutiveContractualPaymentsReceivedPriorToConsiderationForReturnToAccrualStatus
6
wsbf Deferred Taxes Cash Flow
DeferredTaxesCashFlow
1303000
wsbf Deferred Taxes Cash Flow
DeferredTaxesCashFlow
-798000
wsbf Dividends Declared But Not Paid In Other Liabilities
DividendsDeclaredButNotPaidInOtherLiabilities
3492000
wsbf Dividends Declared But Not Paid In Other Liabilities
DividendsDeclaredButNotPaidInOtherLiabilities
3458000
wsbf Amortization Of Unearned Esop Award
AmortizationOfUnearnedESOPAward
1362000
wsbf Amortization Of Unearned Esop Award
AmortizationOfUnearnedESOPAward
1319000
wsbf Mortgage Banking Branch
MortgageBankingBranch
163000
wsbf Mortgage Banking Branch
MortgageBankingBranch
0
CY2019Q3 wsbf Unearned Esop Shares Cost
UnearnedESOPSharesCost
16914000
CY2018Q4 wsbf Unearned Esop Shares Cost
UnearnedESOPSharesCost
17804000
CY2018Q4 wsbf Csv Of Line Insurance
CsvOfLineInsurance
67550000
CY2019Q3 wsbf Csv Of Line Insurance
CsvOfLineInsurance
69309000

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