Wvs financial corp (WVFC)
Income statement / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10Sep'10
INTEREST AND DIVIDEND INCOME:
Loans, including fees

3,495

3,467

3,421

3,342

3,218

3,119

3,048

2,983

2,961

2,912

2,826

2,721

2,628

2,537

2,436

2,324

2,154

1,976

1,789

1,640

1,545

1,503

1,538

1,579

1,637

1,721

1,855

2,027

2,231

2,454

2,618

2,892

3,038

3,151

3,275

3,297

0

0

0

Commercial paper and investment securities

4,190

4,437

4,506

4,447

4,227

3,805

3,419

3,036

2,651

2,438

2,261

2,131

2,095

2,033

1,991

1,989

1,939

1,830

1,705

1,493

1,367

1,303

1,364

1,567

1,825

2,110

2,461

2,743

3,051

3,266

3,165

3,109

3,285

3,498

3,896

4,395

0

0

0

Investment securities - non-taxable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

88

145

189

201

211

0

0

0

Mortgage-backed securities

3,283

3,571

3,741

3,745

3,668

3,495

3,290

3,130

2,932

2,714

2,516

2,333

2,201

2,202

2,187

2,155

2,167

2,254

2,499

2,781

2,998

3,035

2,869

2,547

2,149

1,730

1,389

1,162

1,027

958

946

929

885

912

1,001

1,196

0

0

0

Certificates of deposit

47

47

35

22

15

24

42

72

110

134

147

124

84

46

14

7

7

6

6

6

6

8

9

10

10

9

8

7

9

14

21

30

49

71

96

123

0

0

0

Interest-earning demand deposits

5

5

10

12

14

16

12

10

7

4

4

3

2

2

0

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

-

0

0

-

3

0

0

0

FHLB Stock

499

510

496

486

487

494

466

439

408

340

335

329

324

323

323

336

337

513

495

457

427

202

158

117

69

43

30

19

17

14

6

4

2

0

0

-

0

-

-

Trading securities

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total interest and dividend income

11,519

12,037

12,209

12,054

11,629

10,953

10,277

9,670

9,071

8,547

8,094

7,646

7,338

7,144

6,952

6,812

6,604

6,580

6,495

6,378

6,345

6,052

5,939

5,821

5,691

5,614

5,744

5,959

6,336

6,714

6,803

7,053

7,404

7,822

8,471

9,225

0

0

0

INTEREST EXPENSE:
Deposits

1,057

1,086

983

856

642

491

448

406

331

303

271

245

234

213

213

210

210

209

210

217

243

276

310

330

337

338

349

378

414

460

499

543

585

671

784

918

0

0

0

Federal Home Loan Bank advances - long-term - fixed rate

0

0

0

-

0

0

-

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances - long-term - variable rate

1,958

2,082

0

-

0

0

-

11

38

51

69

65

127

259

332

408

397

328

310

297

219

143

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances - short-term

1,136

1,262

1,389

1,996

2,567

2,910

3,064

2,675

2,234

1,812

1,436

1,118

830

595

412

238

144

101

84

73

85

125

165

202

212

194

193

192

200

206

171

129

77

33

15

4

0

0

0

Federal Home Loan Bank advances - long-term - fixed rate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

837

837

836

838

838

871

1,076

1,454

2,058

3,265

0

0

0

Other short-term borrowings

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

14

15

12

11

5

5

0

0

-

0

-

-

-

0

-

-

-

0

-

-

33

0

0

0

Total interest expense

4,590

4,926

5,024

4,872

4,551

4,043

3,512

3,124

2,736

2,406

2,125

1,854

1,655

1,569

1,493

1,431

1,331

1,213

1,178

1,155

1,164

1,231

1,301

1,357

1,389

1,369

1,379

1,407

1,451

1,505

1,509

1,544

1,752

2,177

2,884

4,220

0

0

0

NET INTEREST INCOME

6,929

7,111

7,185

7,182

7,078

6,910

6,765

6,546

6,335

6,141

5,969

5,792

5,683

5,575

5,459

5,381

5,273

5,367

5,317

5,223

5,181

4,821

4,638

4,464

4,302

4,245

4,365

4,552

4,885

5,209

5,294

5,509

5,652

5,645

5,587

5,005

0

0

0

(CREDIT) PROVISION FOR LOAN LOSSES

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

PROVISION FOR LOAN LOSSES

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-73

-77

-106

-32

-68

-127

-114

-109

-104

-83

-70

-43

-15

0

0

0

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

6,917

7,082

7,134

7,102

7,006

6,838

6,701

6,496

6,305

6,106

5,922

5,734

5,646

5,532

5,406

5,325

5,187

5,271

5,231

5,153

5,120

4,786

4,720

4,537

4,379

4,351

4,397

4,620

0

0

0

-

-

-

-

-

-

-

-

NON-INTEREST INCOME:
Service charges on deposits

113

118

114

114

115

117

123

126

127

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

NET INTEREST INCOME AFTER RECOVERY OF LOAN LOSSES

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

Service charges on deposits

-

-

-

-

-

-

-

-

-

-

-

-

-

142

148

-

161

161

164

162

160

167

173

184

188

193

190

189

192

187

193

202

208

222

234

232

0

0

0

Earnings on Bank Owned Life Insurance

118

119

120

121

121

122

124

126

129

130

131

131

132

133

133

134

135

137

139

140

142

144

145

136

0

0

0

-

-

0

0

-

-

-

-

-

-

-

-

Other than temporary impairment gains

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

303

303

303

197

0

0

0

0

Portion of loss recognized in other comprehensive income (before taxes)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

-

0

0

-

-

-

-

-

Portion of loss recognized in other comprehensive income (before taxes)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

0

Net impairment loss recognized in earnings

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

131

130

130

24

0

0

0

0

Investment securities gains (losses)

-

0

-

-2

0

0

0

-

0

-

0

-

0

-

-

-

0

0

-

-

0

0

-

-

-

-

-

46

12

12

12

4

0

0

0

-

-

-

-

Market gain (loss) on trading assets

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other than temporary impairment losses

0

0

-

-

0

-

-

86

0

0

41

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Portion of loss recognized in other comprehensive income

-

-

-

-

0

-

-

-100

0

0

49

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net impairment loss recognized in earnings

-75

0

0

-

0

-

-

-14

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

ATM fee income

159

159

166

166

166

171

175

180

183

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

ATM fee income

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Market losses on trading securities

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

-

-

-

-

Other

39

44

44

44

50

47

49

50

45

45

63

63

-79

-26

4

55

195

194

199

199

249

239

233

230

116

119

237

249

383

387

280

274

261

262

280

282

0

0

0

Total non-interest income

410

427

415

415

418

451

465

470

482

492

475

490

513

514

563

572

569

570

559

558

551

531

532

531

539

501

580

573

558

585

378

349

339

354

490

514

0

0

0

NON-INTEREST EXPENSE:
Salaries and employee benefits

2,365

2,381

2,411

2,422

2,321

2,292

2,276

2,274

2,274

2,283

2,275

2,264

2,214

2,218

2,242

2,243

2,218

2,191

2,175

2,164

2,154

2,160

2,143

2,121

2,088

2,055

2,014

1,996

2,012

2,000

1,995

1,981

1,992

1,985

1,973

1,964

0

0

0

Occupancy and equipment

253

256

257

262

274

288

305

310

306

308

314

323

326

328

327

329

326

332

330

323

323

316

333

329

326

323

308

310

309

303

298

301

299

307

311

316

0

0

0

Data processing

222

223

229

230

229

233

229

220

218

216

216

222

214

214

216

220

233

237

239

239

236

238

240

241

248

243

244

245

242

244

248

243

243

243

241

246

0

0

0

Correspondent bank service charges

35

37

35

33

33

34

37

40

40

39

39

38

38

38

38

38

37

38

37

38

41

41

43

44

42

44

46

49

54

51

54

61

70

83

89

89

0

0

0

Federal deposit insurance premium

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal deposit insurance premium

-

-

-

-

-

-

-

108

112

107

91

111

130

155

192

194

190

183

179

175

174

183

186

187

185

176

171

160

216

266

287

306

303

331

383

419

0

0

0

ATM network expense

88

85

92

106

114

118

118

106

107

113

118

127

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other

667

646

666

640

639

652

649

655

692

672

644

654

552

595

591

625

595

573

638

631

814

823

786

753

698

701

714

811

802

781

732

766

804

811

921

812

0

0

0

Total non-interest expense

3,639

3,652

3,736

3,790

3,709

3,719

3,722

3,713

3,749

3,738

3,697

3,739

3,693

3,736

3,764

3,773

3,735

3,690

3,734

3,706

3,742

3,761

3,731

3,675

3,587

3,542

3,497

3,571

3,635

3,645

3,614

3,658

3,711

3,760

3,918

3,846

0

0

0

INCOME BEFORE INCOME TAXES

3,688

3,857

3,813

3,727

3,715

3,570

3,444

3,253

3,038

2,860

2,700

2,485

2,466

2,310

2,205

2,124

2,021

2,151

2,056

2,005

1,929

1,556

1,521

1,393

1,331

1,310

1,480

1,622

1,935

2,263

2,167

2,304

2,363

2,309

2,202

1,688

0

0

0

INCOME TAX EXPENSE

928

975

973

932

942

910

1,073

1,128

1,088

1,118

959

848

855

796

793

799

766

765

697

658

625

514

512

473

459

497

575

542

680

765

790

902

768

743

625

462

0

0

0

NET INCOME

2,760

2,882

2,840

2,795

2,773

2,660

2,371

2,125

1,950

1,742

1,741

1,637

1,611

1,514

1,412

1,325

1,255

1,386

1,359

1,347

1,304

1,042

1,009

920

872

813

905

1,080

1,255

1,498

1,377

1,402

1,595

1,566

1,577

1,226

0

0

0

EARNINGS PER SHARE:
Basic

0.35

0.41

0.45

0.35

0.42

0.38

0.42

0.31

0.35

0.22

0.28

0.22

0.23

0.21

0.21

0.21

0.17

0.15

0.16

0.16

0.24

0.14

0.15

0.14

0.10

0.11

0.10

0.10

0.07

0.16

0.19

0.19

0.19

0.10

0.20

0.30

0.17

0.10

0.03

Diluted

0.35

0.41

0.45

0.35

0.42

0.38

0.42

0.31

0.35

0.22

0.28

0.22

0.23

0.21

0.21

0.21

0.17

0.15

0.16

0.16

0.24

0.14

0.15

0.14

0.10

0.11

0.10

0.10

0.07

0.16

0.19

0.19

0.19

0.10

0.20

0.30

0.17

0.10

0.03

AVERAGE SHARES OUTSTANDING:
Basic

1,771

1,771

1,775

1,774

1,772

1,782

1,793

1,827

1,828

1,826

1,824

1,855

1,882

1,881

1,876

1,912

1,910

1,910

1,909

1,919

1,939

1,949

1,959

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

Diluted

1,771

1,771

1,775

1,774

1,772

1,782

1,793

1,827

1,829

1,826

1,824

1,855

1,882

1,881

1,876

1,912

1,910

1,910

1,909

1,919

1,939

1,949

1,959

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057

2,057