Financial insights of WAFDP

MyFinsight

For the quarter ending 2025-12-31.

Income Statement	2025-12-31	2025-09-30
Loans receivable	264,207	279,986*
Mortgage-backed securities	38,902	25,768*
Investment securities and cash equivalents	19,387	29,110*
Total income	322,496	334,864*
Customer accounts	136,214	151,177*
Borrowings and junior subordinated debentures	15,171	20,127*
Total interest expense	151,385	171,304*
Net interest income	171,111	163,560*
Provision for credit losses	3,500	1,938*
Net interest income after provision	167,611	161,622*
Gain on sale of investment securities	0	5*
Gain on termination of hedging derivatives	24	40*
Loan fee income	1,354	1,722*
Deposit fee income	7,858	7,413*
Other income	11,019	8,633*
Total non-interest income	20,255	17,812*
Compensation and benefits	54,190	55,537*
Occupancy	11,170	11,234*
Fdic insurance premiums	5,400	5,050*
Product delivery	6,574	6,468*
Information technology	14,384	15,025*
Other expense	14,003	13,552*
Total non-interest expense	105,721	106,866*
Gain (loss) on real estate owned, net	156	-157*
Income before income taxes	82,301	72,411*
Income tax expense	18,105	15,894*
Net income	64,196	56,517*
Dividends on preferred stock	3,656	3,656*
Net income available to common shareholders	60,540	52,861

Basic EPS	0.79	0.659
Diluted EPS	0.79	0.659
Basic Average Shares	76,969,729	80,184,395
Diluted Average Shares	77,015,554	80,255,189

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.