WVS Financial Corp. (WVFC)

WVS Financial Income Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020	Jun 30, 2019	Jun 30, 2018
Interest Income on Loans	2.8	3.15	3.46	3.34	2.98
Interest Income on Investments	2.95	2.61	7.03	8.71	6.69
Total Interest Income	5.74	5.75	10.49	12.05	9.67
Interest Paid on Deposits	0.14	0.3	0.86	0.86	0.41
Interest Paid on Borrowings	0.79	0.59	3	4.02	2.72
Total Interest Expense	0.93	0.89	3.85	4.87	3.12
Net Interest Income	4.81	4.86	6.63	7.18	6.55
Net Interest Income Growth (YoY)	-1.11%	-26.66%	-7.67%	9.72%	13.02%
Gain (Loss) on Sale of Investments	0.08	0.09	-0.05	-0.03	-0.01
Other Non-Interest Income	0.3	0.3	0.31	0.33	0.36
Total Non-Interest Income	0.47	0.48	0.36	0.42	0.47
Non-Interest Income Growth (YoY)	-0.63%	31.21%	-12.77%	-11.70%	-4.08%
Revenues Before Loan Losses	5.28	5.34	6.99	7.6	7.02
Provision for Loan Losses	-0.07	-0.05	0.07	0.08	0.05
Revenue	5.35	5.39	6.92	7.52	6.97
Revenue Growth (YoY)	-0.76%	-22.13%	-7.90%	7.91%	11.92%
Salaries and Employee Benefits	2.15	2.23	2.14	2.2	2.1
Occupancy Expenses	0.28	0.27	0.24	0.26	0.31
Federal Deposit Insurance	0.1	0.09	0.01	0.1	0.11
Selling, General & Administrative	0.4	0.41	0.38	0.46	0.4
Other Non-Interest Expense	0.75	0.66	0.79	0.78	0.8
Total Non-Interest Expense	3.68	3.65	3.56	3.79	3.71
EBT Excluding Unusual Items	1.67	1.74	3.36	3.73	3.25
Pretax Income	1.67	1.74	3.36	3.73	3.25
Income Tax Expense	0.42	0.45	0.87	0.93	1.13
Net Income	1.24	1.3	2.49	2.8	2.13
Net Income to Common	1.24	1.3	2.49	2.8	2.13
Net Income Growth	-4.01%	-47.95%	-10.91%	31.53%	29.81%
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	-0.68%	-1.11%	-0.69%	-2.56%	-2.48%
EPS (Basic)	0.72	0.74	1.41	1.57	1.16
EPS (Diluted)	0.72	0.74	1.41	1.57	1.16
EPS Growth	-3.20%	-47.45%	-10.29%	35.32%	33.33%
Dividend Per Share	0.400	0.400	0.400	0.360	0.280
Dividend Growth	-	-	11.11%	28.57%	40.00%
Effective Tax Rate	25.42%	25.56%	25.89%	25.01%	34.68%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.