Financial insights of WSBF

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans	104,753
Mortgage-related securities	5,215
Debt securities, federal funds sold and short-term investments	6,140
Total interest income	116,108
Deposits	43,519
Borrowings	15,855
Total interest expense	59,374
Net interest income	56,734
Provision (credit) for credit losses	-1,394
Net interest income after provision (credit) for credit losses	58,128
Service charges on loans and deposits	2,085
Increase in cash surrender value of life insurance	2,561
Mortgage banking income	79,225
Other	1,316
Total noninterest income	85,187
Compensation, payroll taxes, and other employee benefits	79,619
Occupancy, office furniture, and equipment	7,194
Advertising	2,877
Data processing	4,941
Communications	973
Professional fees	2,835
Real estate owned	-312
Loan processing expense	2,996
Other	8,747
Total noninterest expenses	109,870
Income before income taxes	33,445
Income tax expense	7,043
Net income	26,402

Basic EPS	1.48
Diluted EPS	1.48
Basic Average Shares	17,837,000
Diluted Average Shares	17,867,000