For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | |||
|---|---|---|---|---|
| Loans, including fees | 233,190 | |||
| Investment securities | 38,688 | |||
| Other | 9,970 | |||
| Total interest income | 281,848 | |||
| Deposits | 131,418 | |||
| Federal funds purchased | 21 | |||
| Notes payable | 624 | |||
| Fhlb advances | 11,465 | |||
| Subordinated debentures | 5,882 | |||
| Total interest expense | 149,410 | |||
| Net interest income | 132,438 | |||
| Provision for (recovery of) credit losses | 6,050 | |||
| Net interest income after provision for (recovery of) credit losses | 126,388 | |||
| Customer service fees | 2,013 | |||
| Net gain (loss) on sales of available for sale securities | 614 | |||
| Letters of credit fees | 1,829 | |||
| Debit card interchange fees | 640 | |||
| Swap fees | 1,631 | |||
| Bank-owned life insurance | 1,661 | |||
| Investment advisory fees | 973 | |||
| Fhlb prepayment income | 301 | |||
| Other income | 1,253 | |||
| Total noninterest income | 10,915 | |||
| Salaries and employee benefits | 47,397 | |||
| Occupancy and equipment | 4,945 | |||
| Fdic insurance assessment | 2,745 | |||
| Data processing | 2,519 | |||
| Professional and consulting fees | 4,769 | |||
| Derivative collateral fees | 1,369 | |||
| Information technology and telecommunications | 3,891 | |||
| Marketing and advertising | 2,138 | |||
| Intangible asset amortization | 921 | |||
| Other expense | 6,577 | |||
| Total noninterest expense | 77,271 | |||
| Income before income taxes | 60,032 | |||
| Amount of statutory rate | 12,607 | |||
| State income taxes (net of federal income tax benefit) | 4,047 | |||
| Low income housing | 2,347 | |||
| Rehabilitation | 815 | |||
| Interest on investment securities and loans exempt from federal income tax | -1,468 | |||
| Other | -183 | |||
| Proportional amortization | 2,451 | |||
| Other | -348 | |||
| Provision for income taxes | 13,944 | |||
| Net income | 46,088 | |||
| Preferred stock dividends | 4,054 | |||
| Net income available to common shareholders | 42,034 | |||
| Basic EPS | 1.53 | |||
| Diluted EPS | 1.49 | |||
| Basic Average Shares | 27,544,024 | |||
| Diluted Average Shares | 28,169,857 | |||
Bridgewater Bancshares Inc (BWBBP)
Bridgewater Bancshares Inc (BWBBP)