wsbf: the income statement

MyFinsight

Waterstone Financial, Inc. (WSBF)

For the quarter ending 2025-06-30, WSBF made $52,997K in revenue. $7,727K in net income. Net profit margin of 14.58%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

	2025-06-30
Income tax expense	1,942
Other	343
Service charges on loans and deposits	413
Mortgage banking income	22,559
Increase in cash surrender value of life insurance	1,014
Total noninterest income	24,329
Real estate owned	-8
Professional fees	500
Other	1,878
Occupancy, office furniture, and equipment	1,753
Loan processing expense	817
Compensation, payroll taxes, and other employee benefits	21,121
Data processing	1,313
Communications	257
Advertising	746
Total noninterest expenses	28,377
Provision (credit) for credit losses	-9
Deposits	10,967
Borrowings	4,010
Total interest expense	14,977
Debt securities, federal funds sold and short-term investments	1,557
Mortgage-related securities	1,253
Loans	25,875
Total interest income	28,685
Net interest income	13,708
Net interest income after provision (credit) for credit losses	13,717
Income before income taxes	9,669
Net income	7,727

Basic earnings per share (in dollars per share)	0.43
Diluted (in shares)	18,004,000
Diluted earnings per share (in dollars per share)	0.43
Weighted average shares outstanding (in shares)	17,989,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS)