| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 226,068 |
| Depreciation, amortization, accretion and other, net | 9,718 |
| Stock-based compensation expense | 8,519 |
| Provision (release) for credit losses | 7,750 |
| Loss (gain) on sale of investment securities | 20 |
| Gain on settlements of bank owned life insurance | 0 |
| Impairment loss on premises and equipment | 992 |
| Net realized (gain) loss on sales of premises, equipment and real estate owned | 419 |
| Decrease (increase) in accrued interest receivable | -4,238 |
| Decrease (increase) in federal and state income tax receivable | -6,124 |
| Decrease (increase) in cash surrender value of bank owned life insurance | 7,526 |
| Decrease (increase) in other assets | 27,885 |
| Increase (decrease) in federal and state income tax liabilities | 0 |
| Increase (decrease) in accrued expenses and other liabilities | 9,393 |
| Net cash provided by (used in) operating activities | 236,952 |
| Origination of loans and principal repayments, net | 973,280 |
| Loans purchased | 143,605 |
| Fhlb & frb stock purchase | 496,542 |
| Fhlb & frb stock redeemed | 504,092 |
| Available-for-sale securities purchased | 1,482,058 |
| Principal payments and maturities of available-for-sale securities | 561,808 |
| Proceeds from sales of available-for-sale investment securities | 797 |
| Held-to-maturity securities purchased | 261,842 |
| Principal payments and maturities of held-to-maturity securities | 53,030 |
| Proceeds from sales of real estate owned | 2,865 |
| Proceeds from settlements of bank owned life insurance | 0 |
| Equity method investments purchased | 2,861 |
| Net cash received (paid) in business combinations | 360 |
| Proceeds from sales of loans | 0 |
| Proceeds from sales of premises and equipment | 1,689 |
| Premises and equipment purchased and reo improvements | 28,707 |
| Net cash provided by (used in) investing activities | -318,414 |
| Net increase (decrease) in customer accounts | 63,666 |
| Proceeds from borrowings | 11,019,793 |
| Repayments of borrowings | 12,527,894 |
| Principal payments and maturities of senior debt | 0 |
| Proceeds from stock-based awards | 3,943 |
| Dividends paid on common stock | 84,639 |
| Dividends paid on preferred stock | 14,625 |
| Proceeds from employee stock purchase | 842 |
| Treasury stock purchased | 101,931 |
| Increase (decrease) in advance payments by borrowers for taxes and insurance | -1,485 |
| Net cash provided by (used by) financing activities | -1,642,330 |
| Increase (decrease) in cash and cash equivalents | -1,723,792 |
| Cash and cash equivalents at beginning of period | 2,381,102 |
| Cash and cash equivalents at end of period | 657,310 |
WAFD INC (WAFD)
WAFD INC (WAFD)