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Income Statement
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Balance Sheet
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Income Overview
Net Income
$8,462K
EPS
$0.49
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans
26,610
25,951
26,004*
26,625
Mortgage-related securities
1,479
1,454
1,288*
1,365
Debt securities, federal funds sold and short-term investments
1,497
1,610
1,456*
1,566
Total interest income
29,586
29,015
28,747*
29,556
Deposits
10,035
10,373
11,278*
10,527
Borrowings
3,541
3,179
3,405*
4,290
Total interest expense
13,576
13,552
14,683*
14,817
Net interest income
16,010
15,463
14,064*
14,739
Provision (credit) for credit losses
236
264
-977*
-269
Net interest income after provision (credit) for credit losses
15,774
15,199
15,041*
15,008
Service charges on loans and deposits
463
374
539*
618
Increase in cash surrender value of life insurance
1,135
549
251*
526
Mortgage banking income
22,144
18,950
14,075*
20,875
Other
498
355
377*
283
Total noninterest income
24,240
20,228
15,241*
22,302
Compensation, payroll taxes, and other employee benefits
21,974
19,842
17,136*
20,534
Occupancy, office furniture, and equipment
1,570
1,966
2,033*
1,688
Advertising
727
617
690*
712
Data processing
1,279
1,258
1,157*
1,210
Communications
226
258
214*
249
Professional fees
300
383
1,515*
380
Real estate owned
27
2
-306*
4
Loan processing expense
817
1,029
739*
688
Other
2,459
2,520
2,929*
2,001
Total noninterest expenses
29,379
27,875
26,105*
27,466
Income before income taxes
10,635
7,552
4,176*
9,844
Income tax expense
2,173
1,555
1,253*
1,918
Net income
8,462
5,997
2,923
7,926
Basic EPS
0.49
0.35
0.163
0.45
Diluted EPS
0.49
0.34
0.163
0.45
Basic Average Shares
17,114,000
17,373,000
17,883,000
17,639,000
Diluted Average Shares
17,184,000
17,430,000
17,926,000
17,671,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans
$26,610K
(2.84%↑ Y/Y)
Debt securities,
federal funds sold and...
$1,497K
(-3.85%↓ Y/Y)
Mortgage-related securities
$1,479K
(18.04%↑ Y/Y)
Total interest income
$29,586K
(3.14%↑ Y/Y)
Mortgage banking income
$22,144K
(-1.84%↓ Y/Y)
Increase in cash
surrender value of life...
$1,135K
(11.93%↑ Y/Y)
Other
$498K
(45.19%↑ Y/Y)
Service charges on loans
and deposits
$463K
(12.11%↑ Y/Y)
Net interest income
$16,010K
(16.79%↑ Y/Y)
Total interest
expense
$13,576K
(-9.35%↓ Y/Y)
Total noninterest
income
$24,240K
(-0.37%↓ Y/Y)
Net interest income
after provision...
$15,774K
(15.00%↑ Y/Y)
Provision (credit) for
credit losses
$236K
(2722.22%↑ Y/Y)
Deposits
$10,035K
(-8.50%↓ Y/Y)
Borrowings
$3,541K
(-11.70%↓ Y/Y)
Income before income
taxes
$10,635K
(9.99%↑ Y/Y)
Total noninterest
expenses
$29,379K
(3.53%↑ Y/Y)
Net income
$8,462K
(9.51%↑ Y/Y)
Income tax expense
$2,173K
(11.89%↑ Y/Y)
Compensation, payroll taxes,
and other employee...
$21,974K
(4.04%↑ Y/Y)
Other
$2,459K
(30.94%↑ Y/Y)
Occupancy, office
furniture, and equipment
$1,570K
(-10.44%↓ Y/Y)
Data processing
$1,279K
(-2.59%↓ Y/Y)
Loan processing
expense
$817K
(0.00%↑ Y/Y)
Advertising
$727K
(-2.55%↓ Y/Y)
Professional fees
$300K
(-40.00%↓ Y/Y)
Communications
$226K
(-12.06%↓ Y/Y)
Real estate owned
$27K
(437.50%↑ Y/Y)
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Waterstone Financial, Inc. (WSBF)
Waterstone Financial, Inc. (WSBF)