<span item_type="fundamental" item_id="0f78af26b81384c9d6003b27097b26c3" counter_id="ST/US/WAFDP" env="prod"></span><span item_type="announcement" item_id="511765574706795265" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD 0.65.</p><p>EBIT: As of FY2025 Q2, the actual value is USD 72.01 M.</p><p></p><h3>Commercial Loans</h3><h4>Multi-family</h4><ul><li><strong>Net Loans</strong>: $4,867,340 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Non-accrual Loans</strong>: $10,477 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Allowance for Credit Losses</strong>: $26,556 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul><h4>Commercial Real Estate</h4><ul><li><strong>Net Loans</strong>: $3,639,477 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Non-accrual Loans</strong>: $29,320 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Allowance for Credit Losses</strong>: $38,469 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul><h4>Commercial &amp; Industrial</h4><ul><li><strong>Net Loans</strong>: $2,384,745 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Allowance for Credit Losses</strong>: $60,147 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul><h4>Construction</h4><ul><li><strong>Net Loans</strong>: $1,211,336 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Allowance for Credit Losses</strong>: $19,406 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul><h4>Land - Acquisition &amp; Development</h4><ul><li><strong>Net Loans</strong>: $136,061 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Allowance for Credit Losses</strong>: $6,703 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul><h3>Consumer Loans</h3><h4>Single-family Residential</h4><ul><li><strong>Net Loans</strong>: $8,264,318 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Non-accrual Loans</strong>: $18,734 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Allowance for Credit Losses</strong>: $40,963 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul><h4>Construction - Custom</h4><ul><li><strong>Net Loans</strong>: $137,501 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Non-accrual Loans</strong>: $847 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Allowance for Credit Losses</strong>: $1,076 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul><h4>Land - Consumer Lot Loans</h4><ul><li><strong>Net Loans</strong>: $101,784 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Non-accrual Loans</strong>: $8 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Allowance for Credit Losses</strong>: $2,415 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul><h4>HELOC</h4><ul><li><strong>Net Loans</strong>: $288,228 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Non-accrual Loans</strong>: $300 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Allowance for Credit Losses</strong>: $3,257 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul><h4>Consumer</h4><ul><li><strong>Net Loans</strong>: $91,920 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Non-accrual Loans</strong>: $200 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Allowance for Credit Losses</strong>: $3,717 as of March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Net Cash Provided by Operating Activities</strong>: $121,565 for the six months ended March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Net Cash Used in Investing Activities</strong>: -$728,546 for the six months ended March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li><strong>Net Cash Used in Financing Activities</strong>: -$542,660 for the six months ended March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li>The company recorded a provision for credit losses of $2,750,000 for the three months ended March 31, 2025, primarily due to a stable loan receivable balance offset by net charge-offs taken during the quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li><li>Non-performing assets were $70,884,000, or 0.26% of total assets, at March 31, 2025, compared to $77,418,000, or 0.28% of total assets, at September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/936528/000093652825000063/wfsl-20250331.htm"></span></li></ul>

Washington Fed Pref Share WAFDP 4.875 Perp 04/15/26 | 10-Q: FY2025 Q2 EPS: USD 0.65