Waterstone Financial Inc
NASDAQ:WSBF
Income Statement
Income Statement
Waterstone Financial Inc
| Mar-2005 | Jun-2005 | Sep-2005 | Dec-2005 | Mar-2006 | Jun-2006 | Sep-2006 | Dec-2006 | Mar-2007 | Jun-2007 | Sep-2007 | Dec-2007 | Mar-2008 | Jun-2008 | Sep-2008 | Dec-2008 | Mar-2009 | Jun-2009 | Sep-2009 | Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
38
|
38
|
39
|
40
|
41
|
41
|
40
|
38
|
37
|
37
|
36
|
35
|
35
|
35
|
39
|
41
|
43
|
44
|
42
|
44
|
46
|
48
|
49
|
50
|
49
|
49
|
48
|
47
|
45
|
44
|
43
|
42
|
42
|
41
|
40
|
39
|
39
|
39
|
41
|
41
|
41
|
40
|
39
|
39
|
39
|
40
|
41
|
43
|
45
|
48
|
49
|
51
|
52
|
53
|
54
|
54
|
54
|
53
|
53
|
52
|
52
|
52
|
52
|
54
|
55
|
56
|
57
|
56
|
53
|
53
|
55
|
57
|
59
|
57
|
54
|
50
|
48
|
46
|
45
|
46
|
48
|
51
|
54
|
|
| Interest Income |
72
|
74
|
77
|
80
|
83
|
86
|
89
|
92
|
94
|
96
|
97
|
97
|
98
|
99
|
103
|
104
|
105
|
104
|
101
|
99
|
97
|
94
|
92
|
90
|
87
|
85
|
82
|
79
|
77
|
75
|
73
|
70
|
68
|
66
|
64
|
63
|
62
|
62
|
63
|
64
|
64
|
63
|
62
|
62
|
63
|
63
|
63
|
64
|
64
|
65
|
66
|
67
|
68
|
70
|
72
|
74
|
76
|
77
|
79
|
80
|
80
|
80
|
79
|
79
|
77
|
75
|
73
|
70
|
67
|
66
|
66
|
70
|
77
|
85
|
93
|
99
|
104
|
108
|
111
|
113
|
114
|
115
|
115
|
|
| Interest Expense |
34
|
36
|
19
|
21
|
33
|
45
|
49
|
54
|
57
|
59
|
61
|
62
|
63
|
64
|
63
|
63
|
62
|
61
|
58
|
55
|
50
|
46
|
43
|
40
|
38
|
36
|
34
|
33
|
32
|
31
|
30
|
28
|
26
|
25
|
24
|
24
|
23
|
23
|
22
|
22
|
23
|
23
|
23
|
23
|
23
|
23
|
22
|
20
|
19
|
17
|
16
|
16
|
16
|
17
|
18
|
20
|
22
|
24
|
26
|
28
|
28
|
28
|
27
|
25
|
22
|
19
|
16
|
14
|
14
|
12
|
12
|
13
|
18
|
27
|
39
|
49
|
57
|
62
|
66
|
67
|
66
|
64
|
61
|
|
| Non Interest Income |
3
|
3
|
3
|
4
|
4
|
5
|
5
|
5
|
6
|
6
|
6
|
7
|
5
|
5
|
2
|
6
|
0
|
2
|
5
|
12
|
9
|
11
|
18
|
39
|
35
|
37
|
38
|
43
|
40
|
53
|
67
|
91
|
92
|
98
|
93
|
88
|
82
|
78
|
81
|
85
|
90
|
97
|
102
|
105
|
104
|
109
|
118
|
126
|
131
|
132
|
127
|
124
|
124
|
120
|
121
|
118
|
117
|
119
|
123
|
131
|
138
|
170
|
208
|
244
|
269
|
254
|
231
|
203
|
177
|
156
|
130
|
106
|
94
|
87
|
81
|
81
|
84
|
87
|
87
|
89
|
85
|
83
|
83
|
|
| Revenue |
41
N/A
|
41
+1%
|
42
+2%
|
44
+3%
|
45
+3%
|
46
+2%
|
45
-2%
|
44
-3%
|
43
-2%
|
42
-1%
|
42
-1%
|
42
-1%
|
40
-4%
|
40
+1%
|
42
+3%
|
47
+14%
|
43
-9%
|
46
+6%
|
48
+5%
|
56
+17%
|
55
-2%
|
58
+6%
|
67
+14%
|
89
+33%
|
84
-6%
|
86
+2%
|
86
+1%
|
90
+4%
|
85
-6%
|
97
+14%
|
111
+14%
|
133
+20%
|
133
+0%
|
139
+4%
|
133
-4%
|
127
-5%
|
121
-5%
|
118
-2%
|
122
+4%
|
126
+3%
|
131
+4%
|
138
+6%
|
142
+3%
|
143
+1%
|
143
0%
|
149
+4%
|
159
+7%
|
170
+7%
|
176
+4%
|
179
+2%
|
177
-1%
|
175
-1%
|
176
+0%
|
173
-2%
|
175
+1%
|
172
-1%
|
171
-1%
|
172
+1%
|
175
+2%
|
183
+4%
|
190
+4%
|
222
+17%
|
260
+17%
|
298
+14%
|
324
+9%
|
310
-4%
|
288
-7%
|
259
-10%
|
230
-11%
|
209
-9%
|
185
-12%
|
163
-12%
|
153
-6%
|
144
-6%
|
135
-6%
|
131
-3%
|
131
+0%
|
132
+1%
|
132
0%
|
135
+2%
|
133
-2%
|
134
+1%
|
137
+2%
|
|
| Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(1)
|
(1)
|
(1)
|
(2)
|
(1)
|
(2)
|
(3)
|
(2)
|
(2)
|
(8)
|
(9)
|
(12)
|
(14)
|
(17)
|
(37)
|
(38)
|
(42)
|
(37)
|
(22)
|
(27)
|
(25)
|
(29)
|
(26)
|
(26)
|
(25)
|
(24)
|
(23)
|
(22)
|
(21)
|
(17)
|
(13)
|
(8)
|
(6)
|
(6)
|
(5)
|
(5)
|
(3)
|
(2)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(1)
|
(1)
|
(0)
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
0
|
0
|
0
|
0
|
1
|
2
|
3
|
4
|
3
|
2
|
1
|
(1)
|
(2)
|
(2)
|
(2)
|
(1)
|
(0)
|
0
|
1
|
0
|
1
|
1
|
0
|
|
| Non Interest Expense |
(22)
|
(24)
|
(24)
|
(29)
|
(31)
|
(32)
|
(34)
|
(29)
|
(29)
|
(29)
|
(28)
|
(29)
|
(27)
|
(28)
|
(29)
|
(34)
|
(30)
|
(31)
|
(31)
|
(41)
|
(37)
|
(39)
|
(47)
|
(65)
|
(62)
|
(66)
|
(66)
|
(75)
|
(67)
|
(75)
|
(84)
|
(102)
|
(99)
|
(103)
|
(102)
|
(99)
|
(99)
|
(99)
|
(102)
|
(105)
|
(108)
|
(112)
|
(115)
|
(116)
|
(114)
|
(117)
|
(122)
|
(127)
|
(131)
|
(133)
|
(132)
|
(132)
|
(133)
|
(132)
|
(134)
|
(133)
|
(132)
|
(133)
|
(133)
|
(136)
|
(143)
|
(160)
|
(178)
|
(189)
|
(196)
|
(188)
|
(177)
|
(171)
|
(163)
|
(154)
|
(147)
|
(137)
|
(131)
|
(127)
|
(121)
|
(120)
|
(118)
|
(117)
|
(116)
|
(112)
|
(110)
|
(109)
|
(107)
|
|
| Pre-Tax Income |
17
N/A
|
17
-2%
|
17
+3%
|
13
-27%
|
13
+2%
|
12
-7%
|
8
-33%
|
13
+61%
|
12
-9%
|
6
-46%
|
5
-17%
|
1
-75%
|
(1)
N/A
|
(5)
-237%
|
(25)
-430%
|
(24)
+2%
|
(29)
-19%
|
(22)
+25%
|
(6)
+74%
|
(11)
-101%
|
(7)
+37%
|
(10)
-41%
|
(7)
+30%
|
(2)
+74%
|
(3)
-94%
|
(4)
-7%
|
(3)
+9%
|
(7)
-103%
|
(3)
+54%
|
4
N/A
|
13
+198%
|
23
+73%
|
28
+23%
|
30
+6%
|
26
-11%
|
23
-12%
|
19
-20%
|
17
-11%
|
19
+14%
|
20
+5%
|
22
+9%
|
24
+11%
|
25
+3%
|
26
+4%
|
27
+5%
|
31
+15%
|
36
+16%
|
42
+17%
|
46
+10%
|
47
+3%
|
46
-3%
|
44
-3%
|
44
-2%
|
43
-2%
|
42
-1%
|
40
-5%
|
40
-1%
|
40
+1%
|
43
+8%
|
48
+11%
|
47
-1%
|
62
+32%
|
83
+33%
|
108
+30%
|
128
+19%
|
124
-3%
|
113
-9%
|
92
-19%
|
71
-23%
|
57
-19%
|
40
-31%
|
25
-38%
|
20
-17%
|
15
-25%
|
12
-20%
|
11
-10%
|
13
+18%
|
15
+16%
|
17
+14%
|
24
+40%
|
23
-4%
|
26
+11%
|
30
+15%
|
|
| Net Income | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(7)
|
(8)
|
(8)
|
(6)
|
(5)
|
(4)
|
(3)
|
(5)
|
(4)
|
(2)
|
(2)
|
0
|
1
|
3
|
(5)
|
(2)
|
(2)
|
(5)
|
4
|
1
|
1
|
1
|
1
|
(0)
|
(0)
|
1
|
1
|
(1)
|
(1)
|
(1)
|
(1)
|
12
|
9
|
6
|
4
|
(9)
|
(7)
|
(6)
|
(7)
|
(7)
|
(8)
|
(9)
|
(9)
|
(9)
|
(10)
|
(11)
|
(14)
|
(17)
|
(18)
|
(18)
|
(17)
|
(16)
|
(14)
|
(13)
|
(11)
|
(10)
|
(9)
|
(9)
|
(10)
|
(12)
|
(12)
|
(15)
|
(21)
|
(27)
|
(32)
|
(31)
|
(27)
|
(21)
|
(16)
|
(12)
|
(8)
|
(5)
|
(4)
|
(3)
|
(2)
|
(2)
|
(3)
|
(3)
|
(4)
|
(5)
|
(4)
|
(5)
|
(6)
|
|
| Income from Continuing Operations |
10
|
9
|
9
|
6
|
8
|
8
|
5
|
8
|
7
|
4
|
4
|
2
|
0
|
(1)
|
(30)
|
(26)
|
(31)
|
(27)
|
(2)
|
(10)
|
(6)
|
(9)
|
(6)
|
(2)
|
(4)
|
(3)
|
(3)
|
(8)
|
(4)
|
3
|
12
|
35
|
37
|
36
|
31
|
15
|
12
|
11
|
12
|
13
|
14
|
15
|
16
|
17
|
17
|
20
|
22
|
26
|
28
|
29
|
29
|
29
|
29
|
30
|
31
|
31
|
30
|
31
|
33
|
36
|
35
|
47
|
62
|
81
|
96
|
93
|
86
|
71
|
55
|
45
|
31
|
20
|
16
|
12
|
10
|
9
|
10
|
12
|
13
|
19
|
19
|
21
|
24
|
|
| Net Income (Common) |
10
N/A
|
9
-5%
|
9
+4%
|
6
-32%
|
8
+27%
|
8
-7%
|
5
-33%
|
8
+60%
|
7
-8%
|
4
-46%
|
4
-12%
|
2
-55%
|
0
-96%
|
(1)
N/A
|
(30)
-2 384%
|
(26)
+11%
|
(31)
-16%
|
(27)
+13%
|
(2)
+92%
|
(10)
-370%
|
(6)
+37%
|
(9)
-39%
|
(6)
+35%
|
(2)
+67%
|
(4)
-87%
|
(3)
+15%
|
(3)
+9%
|
(8)
-174%
|
(4)
+50%
|
3
N/A
|
12
+285%
|
35
+198%
|
37
+7%
|
36
-3%
|
31
-14%
|
15
-52%
|
12
-19%
|
11
-10%
|
12
+14%
|
13
+3%
|
14
+9%
|
15
+11%
|
16
+3%
|
17
+5%
|
17
+5%
|
20
+14%
|
22
+12%
|
26
+15%
|
28
+11%
|
29
+4%
|
29
0%
|
26
-11%
|
26
+1%
|
27
+2%
|
28
+5%
|
31
+9%
|
30
-1%
|
31
+1%
|
33
+7%
|
36
+10%
|
35
-1%
|
47
+32%
|
62
+33%
|
81
+31%
|
96
+19%
|
93
-3%
|
86
-8%
|
71
-18%
|
55
-23%
|
45
-18%
|
31
-31%
|
20
-37%
|
16
-16%
|
12
-24%
|
10
-16%
|
9
-10%
|
10
+9%
|
12
+17%
|
13
+12%
|
19
+39%
|
19
0%
|
21
+11%
|
24
+15%
|
|
| EPS (Diluted) |
0.27
N/A
|
0.28
+4%
|
0.27
-4%
|
0.19
-30%
|
0.23
+21%
|
0.2
-13%
|
0.13
-35%
|
0.22
+69%
|
0.2
-9%
|
0.1
-50%
|
0.09
-10%
|
0.04
-56%
|
0
N/A
|
-0.04
N/A
|
-0.89
-2 125%
|
-0.79
+11%
|
-0.92
-16%
|
-0.8
+13%
|
-0.07
+91%
|
-0.3
-329%
|
-0.19
+37%
|
-0.26
-37%
|
-0.16
+38%
|
-0.05
+69%
|
-0.1
-100%
|
-0.09
+10%
|
-0.09
N/A
|
-0.22
-144%
|
-0.12
+45%
|
0.08
N/A
|
0.34
+325%
|
1.02
+200%
|
1.08
+6%
|
1.04
-4%
|
0.88
-15%
|
0.43
-51%
|
0.34
-21%
|
0.31
-9%
|
0.36
+16%
|
0.38
+6%
|
0.41
+8%
|
0.59
+44%
|
0.55
-7%
|
0.56
+2%
|
0.64
+14%
|
0.73
+14%
|
0.81
+11%
|
0.93
+15%
|
1.03
+11%
|
1.06
+3%
|
1.05
-1%
|
0.93
-11%
|
0.94
+1%
|
0.96
+2%
|
1.01
+5%
|
1.11
+10%
|
1.13
+2%
|
1.15
+2%
|
1.26
+10%
|
1.37
+9%
|
1.37
N/A
|
1.9
+39%
|
2.54
+34%
|
3.3
+30%
|
4.02
+22%
|
3.87
-4%
|
3.58
-7%
|
2.96
-17%
|
2.34
-21%
|
2.01
-14%
|
1.44
-28%
|
0.89
-38%
|
0.77
-13%
|
0.59
-23%
|
0.5
-15%
|
0.46
-8%
|
0.53
+15%
|
0.63
+19%
|
0.72
+14%
|
1.01
+40%
|
1.01
N/A
|
1.13
+12%
|
1.35
+19%
|
|