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Income Overview
Net Income
$12,993K
EPS
$0.45
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans, including fees
64,146
61,726
56,303*
60,038
Investment securities
6,904
6,923
9,332*
10,371
Other
1,606
1,316
1,969*
3,224
Total interest income
72,656
69,965
67,603*
73,633
Deposits
29,711
28,793
30,774*
34,615
Federal funds purchased
19
238
-27*
-
Notes payable
-
-
75*
106
Fhlb advances
2,494
2,438
2,788*
2,933
Subordinated debentures
1,866
1,849
1,369*
1,888
Total interest expense
34,090
33,318
34,978*
39,542
Net interest income
38,566
36,647
32,625*
34,091
Provision for credit losses
550
1,200
1,400*
1,100
Net interest income after provision for credit losses
38,016
35,447
31,225*
32,991
Customer service fees
520
527
518*
501
Net loss on sales of available for sale securities
-
7,251
-185*
59
Letter of credit fees
304
185
770*
383
Debit card interchange fees
230
201
153*
173
Swap fees
263
240
676*
-
Bank-owned life insurance
451
447
421*
440
Investment advisory fees
260
213
342*
208
Fhlb prepayment income
-
-
-602*
-
Other income
296
500
293*
297
Total noninterest income
2,324
9,564
2,383*
2,061
Salaries and employee benefits
13,916
13,492
12,010*
12,229
Occupancy and equipment
1,360
1,375
1,135*
1,266
Fdic insurance assessment
595
780
458*
775
Data processing
692
611
626*
637
Professional and consulting fees
1,267
1,196
1,213*
1,261
Derivative collateral fees
206
168
348*
309
Information technology and telecommunications
1,258
1,067
975*
973
Marketing and advertising
604
776
499*
658
Intangible asset amortization
227
226
231*
230
Fhlb prepayment penalty
-
982
-
-
Other expense
1,769
1,497
1,434*
1,618
Total noninterest expense
21,894
22,170
18,926*
19,956
Income before income taxes
18,446
22,841
14,682*
15,096
Amount of statutory rate
-
-
2,941*
-
State income taxes (net of federal income tax benefit)
-
-
1,012*
-
Low income housing
-
-
587*
-
Rehabilitation
-
-
204*
-
Interest on investment securities and loans exempt from federal income tax
-
-
-367*
-
Other
-
-
-46*
-
Proportional amortization
-
-
613*
-
Other
-
-
-87*
-
Provision for income taxes
4,439
5,435
3,275*
3,495
Net income
14,007
17,406
11,407*
11,601
Preferred stock dividends
1,014
1,013
1,014*
1,013
Net income available to common shareholders
12,993
16,393
10,393
10,588
Basic EPS
0.47
0.59
0.376
0.38
Diluted EPS
0.45
0.58
0.367
0.38
Basic Average Shares
27,861,522
27,800,091
27,666,250
27,504,840
Diluted Average Shares
28,589,332
28,490,176
28,321,157
28,190,406
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$64,146K
(10.81%↑ Y/Y)
Investment securities
$6,904K
(-24.96%↓ Y/Y)
Other
$1,606K
(-23.89%↓ Y/Y)
Total interest income
$72,656K
(5.00%↑ Y/Y)
Net interest income
$38,566K
(18.84%↑ Y/Y)
Customer service fees
$520K
(4.84%↑ Y/Y)
Bank-owned life insurance
$451K
(16.54%↑ Y/Y)
Letter of credit fees
$304K
(-5.88%↓ Y/Y)
Other income
$296K
(-13.70%↓ Y/Y)
Swap fees
$263K
(-71.96%↓ Y/Y)
Investment advisory fees
$260K
(22.07%↑ Y/Y)
Debit card
interchange fees
$230K
(51.32%↑ Y/Y)
Total interest
expense
$34,090K
(-7.23%↓ Y/Y)
Net interest income
after provision for...
$38,016K
(24.84%↑ Y/Y)
Total noninterest
income
$2,324K
(-35.93%↓ Y/Y)
Provision for credit
losses
$550K
(-72.50%↓ Y/Y)
Deposits
$29,711K
(-8.57%↓ Y/Y)
Fhlb advances
$2,494K
(-12.55%↓ Y/Y)
Subordinated debentures
$1,866K
(66.46%↑ Y/Y)
Federal funds purchased
$19K
(18.75%↑ Y/Y)
Income before income
taxes
$18,446K
(21.85%↑ Y/Y)
Total noninterest
expense
$21,894K
(15.59%↑ Y/Y)
Net income
$14,007K
(21.59%↑ Y/Y)
Provision for income taxes
$4,439K
(22.69%↑ Y/Y)
Salaries and employee
benefits
$13,916K
(22.47%↑ Y/Y)
Other expense
$1,769K
(-2.32%↓ Y/Y)
Occupancy and equipment
$1,360K
(6.75%↑ Y/Y)
Professional and consulting
fees
$1,267K
(14.14%↑ Y/Y)
Information technology and
telecommunications
$1,258K
(29.56%↑ Y/Y)
Data processing
$692K
(10.72%↑ Y/Y)
Marketing and advertising
$604K
(38.85%↑ Y/Y)
Fdic insurance
assessment
$595K
(-20.67%↓ Y/Y)
Intangible asset
amortization
$227K
(-1.30%↓ Y/Y)
Derivative collateral fees
$206K
(-44.62%↓ Y/Y)
Net income
available to common...
$12,993K
(23.67%↑ Y/Y)
Preferred stock dividends
$1,014K
(0.00%↑ Y/Y)
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Bridgewater Bancshares Inc (BWB)
Bridgewater Bancshares Inc (BWB)