WaterStone Bank, SSB

WaterStone Bank, SSB is headquartered in Wauwatosa and is the 7^th largest bank in the state of Wisconsin. It is also the 425^th largest bank in the nation. It was established in 1921 and as of December of 2012, it had grown to 726 employees at 10 locations. WaterStone Bank, SSB has a 3-star health rating.

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Data for Q4 2012

Institution Statistics WaterStone Bank, SSB FDIC Certificate # 28513 BankRate Report View Year Established 1921 Employees 726 Primary Regulator FDIC Assets and Liabilities Assets $1.66 billion Loans $1.24 billion Deposits $961.28 million Equity Capital $195.45 million Loan Loss Allowance $31.04 million Unbacked Noncurrent Loans $74.67 million Real Estate Owned $35.97 million Historic Data - December 2011 Assets $1.71 billion Equity Capital $160.93 million Loan Loss Allowance $32.43 million Unbacked Noncurrent Loans $78.22 million Real Estate Owned $56.67 million Profit Margin - Quarterly Net Interest Margin 2.76% Return on Assets 1.99% Return on Equity 19.25% Interest Income $69.93 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 WaterStone Bank, SSB had $110.64 million in non-current loans and owned real-estate with $226.49 million in equity and loan loss allowances on hand to cover it. This gives WaterStone Bank, SSB a Texas Ratio of 48.85% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for WaterStone Bank, SSB decreased slightly from 69.76% as of December 31, 2011 to 48.85% as of December 31, 2012, resulting in a positive change of 29.97%.This indicates that the balance sheet and financial strength for WaterStone Bank, SSB has improved slightly in recent periods. Deposit Growth In the past year, WaterStone Bank, SSB has decreased its total deposits by -$110.38 million, resulting in -10.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth WaterStone Bank, SSB has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. WaterStone Bank, SSB has $1.66 billion in assets with $226.49 million in equity, resulting in a capitalization level of 13.68%, which is excellent.

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