BRIDGEWATER BANCSHARES, INC. (BWB)

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BRIDGEWATER BANCSHARES, INC.

BWB • CIK 0001341317

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest and Fee Income, Loans and Leases	$191,402	$204,731	$233,190	$247,354
Interest and Dividend Income, Securities, Operating	$26,245	$33,927	$38,688	$33,918
Interest Income, Other	$4,708	$7,240	$9,970	$8,291
Interest Income (Expense), Net	$105,174	$102,193	$132,438	$144,991
Interest and Dividend Income, Operating	$222,355	$245,898	$281,848	$289,563
Provision for Loan, Lease, and Other Losses	$-175	$3,525	$6,050	$4,300
Interest Income (Expense), after Provision for Loan Loss	$105,349	$98,668	$126,388	$140,691
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$52,522	$42,736	$60,032	$73,530
Income Tax Expense (Benefit)	$12,562	$9,911	$13,944	$17,182
Net Income (Loss) Attributable to Parent	$39,960	$32,825	$46,088	$56,348
Redeemable Preferred Stock Dividends	$4,054	$4,054	$4,054	$4,054
Net Income (Loss) Available to Common Stockholders, Basic	$35,906	$28,771	$42,034	$52,294
Interest Expense, Deposits	$96,045	$128,805	$131,418	$125,322
Interest Expense, Federal Funds Purchased	$8,521	$1,201	$21	$262
Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-term	$7,489	$8,554	$11,465	$11,389
Interest Expense, Subordinated Notes and Debentures	$3,983	$3,983	$5,882	$7,493
InterestExpenseOperating	—	$143,705	$149,410	$144,572
Investment Banking, Advisory, Brokerage, and Underwriting Fees and Commissions	$1,455	$1,475	$2,013	$2,069
Debt Securities, Realized Gain (Loss)	$-33	$385	$614	$7,390
Bank Owned Life Insurance Income	$992	$1,327	$1,661	$1,793
Noninterest Income, Other	$946	$1,003	$1,253	$1,460
Noninterest Income	$6,493	$7,368	$10,915	$17,097
Labor and Related Expense	$36,538	$39,564	$47,397	$52,071
Occupancy, Net	$4,447	$4,399	$4,945	$5,172
Federal Deposit Insurance Corporation Premium Expense	$3,690	$2,959	$2,745	$2,920
Information Technology and Data Processing	$1,574	$1,697	$2,519	$2,578
Professional Fees	$3,081	$3,879	$4,769	$5,128
Communication	$2,889	$3,325	$3,891	$4,274
Marketing and Advertising Expense	$1,129	$1,485	$2,138	$2,756
Amortization of Intangible Assets	$100	$78	$921	$914
Other Noninterest Expense	$3,972	$4,093	$6,577	$6,543
Noninterest Expense	$59,320	$63,300	$77,271	$84,258

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Cash Equivalents, at Carrying Value	$128,562	$229,760	$123,511	$169,806
DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss	$1,181	$4,377	$4,377	$3,658
DebtSecuritiesAvailableForSaleExcludingAccruedInterest	$604,104	$768,247	$776,441	$605,412
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$3,667,215	$3,809,436	$4,244,108	$4,360,502
Federal Home Loan Bank Stock	$17,097	$19,297	$21,122	$17,979
Property, Plant and Equipment, Net	$48,886	$49,533	$51,576	$52,730
Interest Receivable	$16,697	$17,711	$18,929	$16,946
Goodwill	$2,626	$11,982	$11,982	$11,982
Other Intangible Assets, Net	$188	$7,850	$6,930	$6,477
Bank Owned Life Insurance	$34,477	$44,646	$46,576	$45,671
Other Assets	$92,138	$103,403	$105,827	$102,221
Assets	$4,611,990	$5,066,242	$5,407,002	$5,389,726
Notes Payable	$13,750	$13,750	$13,750	$13,750
Advances from Federal Home Loan Banks	$319,500	$359,500	$399,500	$326,000
Subordinated Debt	$79,288	$79,670	$108,677	$108,882
Interest Payable	$5,282	$4,008	$3,227	$2,565
Other Liabilities	$58,707	$64,612	$58,134	$58,166
Liabilities	$4,186,475	$4,608,307	$4,889,907	$4,841,817
Preferred Stock, Value, Issued	$66,514	$66,514	$66,514	$66,514
Common Stock, Value, Issued	$277	$276	$278	$279
Additional Paid in Capital	$96,320	$95,088	$98,287	$100,868
Retained Earnings (Accumulated Deficit)	$280,650	$309,421	$351,455	$380,841
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-18,246	$-13,364	$561	$-593
Stockholders' Equity Attributable to Parent	$425,515	$457,935	$517,095	$547,909
Noninterest-bearing Deposit Liabilities	$756,964	$800,763	$923,070	$830,952
Interest-bearing Deposit Liabilities	$2,952,984	$3,286,004	$3,397,299	$3,515,252
Deposits	$3,709,948	$4,086,767	$4,320,369	$4,346,204
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	$50,494	$52,277	$56,443	$57,418
Preferred Stock, Shares Authorized	10,000,000	10,000,000	10,000,000	10,000,000
Common Stock, Shares Authorized	75,000,000	75,000,000	75,000,000	75,000,000
Common Stock, Shares, Issued	27,748,965	27,552,449	27,759,970	27,880,830

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$41,519	$101,198	$-106,249	$-47,689
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$128,562	$229,760	$123,511	$179,460
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$39,960	$32,825	$46,088	$56,348
Net Cash Provided by (Used in) Operating Activities	$30,015	$46,376	$27,812	$42,302
Proceeds from (Payments for) in Interest-bearing Deposits in Banks	$1,181	$1,181	$4,377	$4,377
Proceeds from Sale of Debt Securities, Available-for-sale	$28,756	$101,612	$76,953	$225,859
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$32,747	$65,600	$153,875	$160,603
Payments to Acquire Debt Securities, Available-for-sale	$113,648	$245,175	$206,101	$223,423
Payments for (Proceeds from) Loans and Leases	$157,874	$26,247	$438,814	$279,960
Payments to Acquire Federal Home Loan Bank Stock	—	—	$59,690	$105,244
Proceeds from Sale of Federal Home Loan Bank Stock	—	—	$57,865	$57,865
Payments to Acquire Property, Plant, and Equipment	$2,970	$4,080	$5,847	$6,609
Proceeds from Sale of Foreclosed Assets	$116	$496	$185	$185
Payments to Acquire Businesses, Net of Cash Acquired	—	$-17,284	$-17,284	$-17,284
Payment to Acquire Life Insurance Policy, Investing Activities	$7,407	$2,778	$4,630	$4,630
Proceeds from Life Insurance Policy	—	—	$4,361	$4,361
Net Cash Provided by (Used in) Investing Activities	$-209,183	$-95,236	$-417,466	$-104,018
Increase (Decrease) in Deposits	$293,405	$119,250	$233,602	$109,462
Increase (Decrease) in Federal Funds Purchased	$287,000	$287,000	$287,000	$287,000
Repayments of Notes Payable	—	—	$13,750	$13,750
Proceeds from FHLBank Borrowings, Financing Activities	$679,500	$997,000	$1,234,500	$1,091,000
Payments of FHLBank Borrowings, Financing Activities	$457,000	$957,000	$1,194,500	$1,169,500
Proceeds from Issuance of Subordinated Long-term Debt	$29,309	—	$78,605	$78,605
Repayments of Subordinated Debt	$13,750	$13,750	$50,000	$50,000
Payments of Ordinary Dividends, Preferred Stock and Preference Stock	$4,054	$4,054	$4,054	$4,054
Proceeds from Stock Options Exercised	$963	$763	$1,939	$2,748
Payments for Repurchase of Common Stock	$4,541	$5,194	$2,191	$700
Payment, Tax Withholding, Share-based Payment Arrangement	$457	$634	$713	$803
Net Cash Provided by (Used in) Financing Activities	$220,687	$150,058	$283,405	$14,027
Proceeds from Issuance of Preferred Stock and Preference Stock	$66,514	—	—	$66,514
Interest Paid, Excluding Capitalized Interest, Operating Activities	$114,347	$144,596	$149,789	$145,681
Investment Income, Net, Amortization of Discount and Premium	$-10	$1,358	$3,639	$4,279
Debt Securities, Realized Gain (Loss)	$-33	$385	$614	$7,390
Financing Receivable, Credit Loss, Expense (Reversal)	$2,050	$2,900	$5,650	$4,050
Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal)	$-2,225	$625	$400	$400
Depreciation, Depletion and Amortization	$2,509	$2,368	$2,468	$2,522
Gain (Loss) on Disposition of Property Plant Equipment	$-20	$-20	$-6	$-6
Amortization of Intangible Assets	$100	$78	$921	$914
Operating Lease, Right-of-Use Asset, Amortization Expense	$534	$559	$558	$559
Payment to Acquire Life Insurance Policy, Operating Activities	—	$1,326	$1,661	$1,792
Amortization of Debt Issuance Costs	$383	$382	$402	$436
Gains (Losses) on Sales of Other Real Estate	—	$62	$62	$62
Share-based Payment Arrangement, Noncash Expense	$3,954	$3,905	$4,199	$4,586
Deferred Income Tax Expense (Benefit)	$676	$24	$-2,004	$-746
IncomeTaxPaidFederalAfterRefundReceived	—	—	$8,300	$8,300
Income Taxes Paid, Net	$10,388	$5,753	$14,283	$179
Noncash or Part Noncash Acquisition, Value of Assets Acquired	—	$282,229	$282,229	$282,229
Noncash or Part Noncash Acquisition, Value of Liabilities Assumed	—	$258,489	$258,489	$258,489
Noncash or Part Noncash Acquisition, Net Nonmonetary Assets Acquired (Liabilities Assumed)	—	$23,740	$23,740	$23,740
Increase (Decrease) in Operating Assets	$21,894	$-2,364	$13,947	$17,504
Increase (Decrease) in Operating Liabilities	$3,905	$3,477	$-9,292	$6,420

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Import this data to Google Sheets with:

=jivedata("BWB","financials")

Full statements spill as a table. For one cell: =jivedata("BWB","Revenue") or =jivedata("BWB","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.