Waterstone Financial, Inc. (WSBF) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 15.46M | 15.71M | 14.74M | 13.71M | 12.58M | 12.84M | 11.52M | 10.68M | 11.14M | 11.76M | 11.99M | 12.68M |
| NII Growth % | 22.96% | 22.41% | 27.98% | 28.36% | 12.92% | 9.18% | -3.94% | -15.75% | -19.27% | -24.69% | -22.14% | -9.99% |
| Net Interest Margin % | 0.69% | 0.7% | 0.65% | 0.61% | 0.58% | 0.58% | 0.51% | 0.47% | 0.5% | 0.53% | 0.54% | 0.57% |
| Interest Income | 29.02M | 30.11M | 29.56M | 28.68M | 27.75M | 29.05M | 29.19M | 28.02M | 26.91M | 26.69M | 26.38M | 24.25M |
| Interest Expense | 13.55M | 14.4M | 14.82M | 14.98M | 15.18M | 16.22M | 17.67M | 17.34M | 15.77M | 14.94M | 14.39M | 11.57M |
| Loan Loss Provision | 264K | -558K | -269K | -9K | -558K | 367K | -377K | -225K | 67K | -435K | 445K | 186K |
| Non-Interest Income | 20.23M | 24.2M | 21.61M | 23.51M | 16.18M | 18.52M | 21.86M | 25.64M | 20.2M | 16.12M | 21.51M | 22.59M |
| Non-Interest Income % | 41.08% | 44.55% | 42.24% | 45.04% | 36.82% | 38.93% | 42.81% | 47.78% | 42.89% | 37.65% | 44.92% | 48.23% |
| Total Revenue | 49.24M | 54.31M | 51.17M | 52.2M | 43.93M | 47.57M | 51.05M | 53.66M | 47.11M | 42.81M | 47.88M | 46.84M |
| Revenue Growth % | 12.08% | 14.16% | 0.24% | -2.72% | -6.74% | 11.11% | 6.6% | 14.55% | 19.48% | 16.63% | 7.83% | 0.69% |
| Non-Interest Expense | 27.87M | 30.41M | 26.78M | 27.56M | 25.43M | 24.78M | 27.86M | 29.4M | 26.5M | 28.91M | 29.3M | 29.99M |
| Efficiency Ratio | 56.61% | 56% | 52.33% | 52.8% | 57.88% | 52.09% | 54.58% | 54.79% | 56.26% | 67.52% | 61.19% | 64.03% |
| Operating Income | 7.55M | 10.05M | 9.84M | 9.67M | 3.88M | 6.21M | 5.89M | 7.14M | 4.77M | -595K | 3.75M | 5.09M |
| Operating Margin % | 15.34% | 18.51% | 19.24% | 18.52% | 8.83% | 13.05% | 11.53% | 13.31% | 10.12% | -1.39% | 7.84% | 10.87% |
| Operating Income Growth % | 94.59% | 61.96% | 67.24% | 35.38% | -18.6% | 1143.03% | 56.83% | 40.26% | 71.39% | -190.43% | -44.61% | -50.18% |
| Pretax Income | 7.55M | 10.05M | 9.84M | 9.67M | 3.88M | 6.21M | 5.89M | 7.14M | 4.77M | -595K | 3.75M | 5.09M |
| Pretax Margin % | 15.34% | 18.51% | 19.24% | 18.52% | 8.83% | 13.05% | 11.53% | 13.31% | 10.12% | -1.39% | 7.84% | 10.87% |
| Income Tax | 1.55M | 2.34M | 1.92M | 1.94M | 845K | 996K | 1.16M | 1.43M | 1.73M | -555K | 500K | 1.08M |
| Effective Tax Rate % | 20.59% | 23.26% | 19.48% | 20.08% | 21.77% | 16.05% | 19.67% | 20.02% | 36.28% | 93.28% | 13.32% | 21.31% |
| Net Income | 6M | 7.71M | 7.93M | 7.73M | 3.04M | 5.21M | 4.73M | 5.71M | 3.04M | -40K | 3.25M | 4.01M |
| Net Margin % | 12.18% | 14.2% | 15.49% | 14.8% | 6.91% | 10.95% | 9.26% | 10.65% | 6.45% | -0.09% | 6.79% | 8.55% |
| Net Income Growth % | 97.53% | 48.04% | 67.64% | 35.28% | -0.07% | 13125% | 45.34% | 42.55% | 40.97% | -104.28% | -38.27% | -49.85% |
| Net Income (Continuing) | 6M | 7.71M | 7.93M | 7.73M | 3.04M | 5.21M | 4.73M | 5.71M | 3.04M | -40K | 3.25M | 4.01M |
| EPS (Diluted) | 0.34 | 0.44 | 0.44 | 0.43 | 0.17 | 0.28 | 0.26 | 0.31 | 0.16 | -0.00 | 0.16 | 0.20 |
| EPS Growth % | 100% | 57.14% | 69.23% | 38.71% | 6.25% | - | 62.5% | 55% | 60% | -105.25% | -36% | -44.44% |
| EPS (Basic) | 0.35 | 0.44 | 0.44 | 0.43 | 0.17 | 0.28 | 0.26 | 0.31 | 0.16 | -0.00 | 0.16 | 0.20 |
| Diluted Shares Outstanding | 17.43M | 17.87M | 17.98M | 18M | 18.28M | 18.4M | 18.45M | 18.57M | 19.04M | 19.4M | 20.02M | 20.43M |