Financial insights of WSBF

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans	25,951	26,004*	26,625	25,875
Mortgage-related securities	1,454	1,288*	1,365	1,253
Debt securities, federal funds sold and short-term investments	1,610	1,456*	1,566	1,557
Total interest income	29,015	28,747*	29,556	28,685
Deposits	10,373	11,278*	10,527	10,967
Borrowings	3,179	3,405*	4,290	4,010
Total interest expense	13,552	14,683*	14,817	14,977
Net interest income	15,463	14,064*	14,739	13,708
Provision (credit) for credit losses	264	-977*	-269	-9
Net interest income after provision (credit) for credit losses	15,199	15,041*	15,008	13,717
Service charges on loans and deposits	374	539*	618	413
Increase in cash surrender value of life insurance	549	251*	526	1,014
Mortgage banking income	18,950	14,075*	20,875	22,559
Other	355	377*	283	343
Total noninterest income	20,228	15,241*	22,302	24,329
Compensation, payroll taxes, and other employee benefits	19,842	17,136*	20,534	21,121
Occupancy, office furniture, and equipment	1,966	2,033*	1,688	1,753
Advertising	617	690*	712	746
Data processing	1,258	1,157*	1,210	1,313
Communications	258	214*	249	257
Professional fees	383	1,515*	380	500
Real estate owned	2	-306*	4	-8
Loan processing expense	1,029	739*	688	817
Other	2,520	2,929*	2,001	1,878
Total noninterest expenses	27,875	26,105*	27,466	28,377
Income before income taxes	7,552	4,176*	9,844	9,669
Income tax expense	1,555	1,253*	1,918	1,942
Net income	5,997	2,923	7,926	7,727

Basic EPS	0.35	0.163	0.45	0.43
Diluted EPS	0.34	0.163	0.45	0.43
Basic Average Shares	17,373,000	17,883,000	17,639,000	17,989,000
Diluted Average Shares	17,430,000	17,926,000	17,671,000	18,004,000

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