WaFd, Inc. (Nasdaq: WAFD) (the "Company"), parent company of
WaFd Bank (the "Bank"), today announced record annual earnings of
$257,426,000 for the fiscal year ended September 30, 2023, an
increase of $21,096,000 from earnings of $236,330,000 for the year
ended September 30, 2022. After the effect of dividends on
preferred stock, net income available for common shareholders was
$3.72 per share for the fiscal year ended September 30, 2023, a
$0.33 or 9.7% increase from $3.39 for the prior fiscal year. Return
on common shareholders' equity for the fiscal year ended September
30, 2023, was 11.69% compared to 11.70% for the year ended
September 30, 2022. Return on assets for the year ended September
30, 2023, was 1.18% compared to 1.17% for the prior year.
President and CEO Brent Beardall commented, “This past year was
a roller-coaster for the banking industry. At WaFd, despite the ups
and downs in the industry, the year culminated in record net income
and earnings per share for the Company. We are grateful to our
bankers for their efforts and to our clients for the trust that led
to these results.
I am most pleased that for the year our total deposits
increased, and the percentage of uninsured deposits decreased to
26%. In a year that saw the second and third largest bank failures
in the history of the United States and net outflows of deposits in
the banking industry, we view the fact that we were able to achieve
net deposit growth as a meaningful accomplishment. One of the
commonalities of the failed banks in 2023 was a high percentage of
uninsured deposits (70 to 95%), so having only 26% of uninsured
deposits at WaFd is a nice contrast.
Over the past two years, the Federal Reserve has increased its
short-term interest rates from 0.25% to 5.50%. The impact of
increasing interest rates was substantial. This increase occurred
at the fastest pace and to the highest absolute level in forty
years. For example, the rate on a 30-year fixed rate mortgage is
now 8%. Two years ago, that rate would have been 3%. The rate for a
short-term construction loan today is around 8.5%. Two years ago, a
comparable rate would have been only 2.5%. Higher borrowing costs
means our clients have less cash available for discretionary
expenditures. Essentially, the challenging interest rate
environment is exposing weaknesses. The Bank experienced its first
material net charge-off in a decade this past year when we charged
off approximately $40 million, primarily due to one commercial loan
currently in bankruptcy. We believe the conditions surrounding this
credit were idiosyncratic. As we do with all material losses, we
will study the circumstances to understand the causation and learn
from it going forward.
For the Bank, the higher rates translated into higher interest
expense on both deposits and borrowings. Interest expense for the
year increased $281 million or 391%. Even with interest expense
increasing almost four-fold, it was more than offset by a $377
million increase in interest income, resulting in growth in net
interest income by $96 million or 16%. Our margin for the year
increased from 3.16% to 3.40%. However, our quarterly margin has
decreased every quarter of this fiscal year from 3.69% in December
to 3.13% in September. Importantly, the margin for the month of
September 2023 was 3.10%, just 3 basis points below the quarterly
margin signaling margin compression is slowing. This could be an
indication we are approaching the trough for this rate cycle if the
Fed is done raising rates.
One of the biggest challenges for our bankers this year has been
the intentional slowing of loan production to match the significant
reduction in loan repayments. Our clients are astute, not many
borrowers want to pre-pay loans that are materially below current
rates. As a result, loan repayments decreased from $6.2 billion to
$4.4 billion. Our bankers have shifted their efforts to selling the
distinctive functionality of our deposit products and supporting
our clients in these shifting economic times.
The market is keenly aware of margin compression and additional
credit stressors facing lenders and that is why banks, including
WaFd, are trading at a significant discount to the broader market.
We remain focused on what we can control, like tangible book value
per share. For the year 2023, we grew tangible book value per share
by 10% to $28.05.
We continue to make strategic investments in both our technology
and our teams and we are pleased to see that our clients are
noticing. Our Net Promoter Score, a measure of how likely clients
are to recommend a company, increased to an all-time high of 57.
The average for the industry is approximately 30 (the higher the
score the better). Our belief is that the upheaval in the regional
banking space is providing a rare opportunity for WaFd Bank to earn
more market share in the Western United States. Our value
proposition remains consistent: We strive to combine a strong
balance sheet, deep relationships and intuitive technology that
simplifies banking.”
Total assets were $22.5 billion as of September 30, 2023, an
increase of 8.2% from $20.8 billion at September 30, 2022,
primarily due to the $1.4 billion, or 8.5%, increase in net loans.
In addition, cash increased by $297 million.
The Bank's held-to-maturity ("HTM") investments were $424
million as of September 30, 2023, with a net unrealized loss of $55
million. Although not permitted by U.S. Generally Accepted
Accounting Principles ("GAAP"), including these unrealized losses
in accumulated other comprehensive income would result in a ratio
of shareholder's equity to total assets of 10.55% compared to
10.80%, as reported.
Customer deposits totaled $16.1 billion as of September 30,
2023, an increase of 0.3% since September 30, 2022. Transaction
accounts decreased by $1.9 billion or 15.2% during the fiscal year
2023, while time deposits increased $2.0 billion or 58.9%. As of
September 30, 2023, 67.0% of the Company's deposits were in
transaction accounts. Core deposits, defined as all transaction
accounts and time deposits less than $250,000, totaled 88.1% of
deposits at September 30, 2023. Deposits that are uninsured or not
collateralized were 25.7% as of September 30, 2023, a decrease from
30.3% as of September 30, 2022. The focus historically has been on
growing transaction accounts to lessen sensitivity to rising
interest rates and manage interest expense. However, the current
rate environment has resulted in increased demand for higher
yielding deposits. The loan-to-deposit ratio was 108.8% at
September 30, 2023 compared to 100.5% at September 30, 2022.
Borrowings totaled $3.7 billion as of September 30, 2023, an
increase of $1.5 billion or 71.8% since September 30, 2022. The
weighted average effective interest rate as of September 30, 2023,
was 3.98% versus 2.02% at September 30, 2022. As of September 30,
2023, $2.8 billion of the $3.7 billion in outstanding borrowings
have effective maturities less than one year.
Loan originations totaled $4.7 billion for fiscal year 2023
compared to $8.7 billion in fiscal year 2022. Offsetting the loan
origination volume in each of these years were loan repayments of
$4.4 billion and $6.2 billion, respectively. In addition to the
slowing repayments, which are directly correlated with the rapid
rise in interest rates, the Bank has intentionally slowed new loan
production to temper loan growth. Even so, net loans outstanding
grew for the quarter due to the funding of construction loans
previously originated. Commercial loans represented 74% of all loan
originations during fiscal 2023 with consumer loans accounting for
the remaining 26%. Commercial loans are preferable as they
generally have floating interest rates and shorter durations. The
weighted average interest rate on the loan portfolio was 5.22% as
of September 30, 2023, an increase from 4.25% at September 30,
2022, due primarily to higher rates on adjustable rate loans as
well as higher rates on newly originated loans.
Credit quality continues to be monitored closely in light of the
shifting economic and monetary environment. As of September 30,
2023, non-performing assets increased to $58 million, or 0.3% of
total assets, compared to 0.2% as of September 30, 2022. Since
September 30, 2022, real estate owned decreased by $2.5 million and
non-accrual loans increased by $15.9 million. Delinquent loans were
0.4% of total loans at September 30, 2023 compared to 0.2% at
September 30, 2022. The allowance for credit losses (including the
reserve for unfunded commitments) totaled $202 million as of
September 30, 2023, and was 1.03% of gross loans as compared to
$205 million or 1.06% of gross loans as of September 30, 2022. Net
charge-offs were $45.1 million for fiscal year 2023 compared to net
recoveries of $3.5 million in fiscal 2022.
The Company recorded a provision for credit losses of $41.5
million in fiscal 2023, compared to provision of $3.0 million in
fiscal 2022. In fiscal 2023, the provision primarily supported net
growth in the loan portfolio, as well as one charge-off, offset by
reduced unfunded commitment balances combined with the uncertain
economic outlook amid concerns around a possible recession and
recent macro-economic events.
The Company paid a quarterly dividend on the 4.875% Series A
preferred stock on July 17, 2023. On September 8, 2023, the Company
paid a cash dividend of $0.25 per share to common stockholders of
record on August 25, 2023, which was the Company’s 162nd
consecutive quarterly cash dividend. Tangible common shareholders’
equity per share increased by $2.56 or 10.04% during fiscal 2023 to
$28.05. The ratio of tangible shareholders' equity to tangible
assets increased to 9.55% as of September 30, 2023.
Net interest income was $690.2 million for fiscal 2023, an
increase of $96 million or 16.1% from the prior year. The increase
in net interest income from the prior year was primarily due to the
$2.0 billion increase in average loans outstanding during the year
despite a decrease in the interest rate spread of 9 basis points.
The decrease in the spread was the result of an increase of 168
basis points in the average rate on interest-bearing liabilities
outpacing the 159 basis point increase in the average rate earned
on interest-earning assets.
Total other income was $52.2 million for fiscal year 2023, a
decrease from $66.4 million in the prior year. The decrease in
other income is primarily due to $4.7 million in unrealized losses
recorded for certain equity investments in fiscal 2023 versus $9.3
million in unrealized gains recorded in fiscal 2022.
Total other expense was $376.0 million for fiscal 2023, an
increase of $17.5 million or 4.9% from the prior year. FDIC
premiums increased $10.5 million compared to the same period last
year. Compensation and benefits costs increased $2.6 million or
1.35% year-over-year primarily due to annual merit increases and
investments in strategic initiatives combined with a reduction in
capitalization of compensation as loan originations have decreased.
These initiatives also drove an increase of $2.2 million in
information technology expenses. Merger related expenses of $3.0
million were also included in total other expense. The Company’s
efficiency ratio was 50.65% for fiscal 2023 as compared to 54.25%
for the prior year as income growth outpaced expense growth.
For the year ended September 30, 2023, the Company recorded
federal and state income tax expense of $67.7 million, which
equates to a 20.81% effective tax rate. This compares to an
effective tax rate of 21.23% for fiscal year 2022. The Company's
effective tax rate for fiscal 2023 differs from the statutory
federal tax rate mainly due to state taxes, tax-exempt income,
tax-credit investments and miscellaneous non-deductible
expenses.
As announced last November, the Company has entered into an
agreement to purchase Luther Burbank Corporation, an $8 billion
dollar financial institution headquartered in the State of
California. In May, shareholders of each entity approved the
transaction, and the merger application has been submitted to the
regulatory authorities for approval. On October 13, 2023, the
Washington State Department of Financial Institutions granted
approval of the proposed merger, subject to approval by the FDIC
and the Federal Reserve Bank. In order to move forward with the
transaction, approval must be received from all three regulatory
agencies, including both the FDIC and the Federal Reserve. While
the market has been turbulent, management remains confident in both
the strategic and economic merits of this merger.
WaFd Bank is headquartered in Seattle, Washington and has 198
branches in eight western states. To find out more, please visit
our website www.wafdbank.com. The
Company uses its website to distribute financial and other material
information.
Non-GAAP Financial
Measures
The adjusted ratio of shareholders' equity to total assets on
September 30, 2023, discussed above, is calculated by deducting the
$55 million in tax-effected unrealized losses on HTM investments
from total GAAP equity of $2.4 billion, then dividing the adjusted
equity by total assets of $22.5 billion to arrive at 10.55%. The
unadjusted ratio as of September 30, 2023, was 10.80%.
Important Cautionary
Statements
The foregoing information should be read in conjunction with the
financial statements, notes and other information contained in the
Company’s Annual Report on Form 10-K, Quarterly Reports on Form
10-Q and Current Reports on Form 8-K.
This press release contains statements about the Company’s
future that are not statements of historical or current fact. These
statements are “forward looking statements” for purposes of
applicable securities laws, and are based on current information
and/or management's good faith belief as to future events. Words
such as “anticipate,” “believe,” “continue,” “expect,” “goal,”
“intend,” “should,” “strategy,” “will,” or similar expressions
signify forward-looking statements. Forward-looking statements
should not be read as a guarantee of future performance. By their
nature, forward-looking statements involve inherent risk and
uncertainties, including the following risks and uncertainties, and
those risks and uncertainties more fully discussed under “Risk
Factors” in the Company’s September 30, 2022 10-K, and Quarterly
Reports on Form 10-Q which could cause actual performance to differ
materially from that anticipated by any forward-looking statements.
In particular, any forward-looking statements are subject to risks
and uncertainties related to (i) current and future economic
conditions, including the effects of declines in the real estate
market, high unemployment rates, inflationary pressures, a
potential recession, and slowdowns in economic growth; (ii)
fluctuations in interest rate risk and market interest rates,
including the effect on our net interest income and net interest
margin, (iii) financial stress on borrowers (consumers and
businesses) as a result of higher interest rates or an uncertain
economic environment; (iv) changes in deposit flows or loan
demands; (v) the effect of COVID-19 and other infectious illness
outbreaks that may arise in the future and the resulting
governmental and societal responses; (vi) global economic trends,
including developments related to Ukraine and Russia, and related
negative financial impacts on our borrowers; (vii) risks related to
the proposed merger with Luther Burbank Corporation; (viii) our
ability to identify and address cyber-security risks, including
security breaches, “denial of service attacks,” “hacking” and
identity theft; and (ix) other economic, competitive, governmental,
regulatory, and technological factors affecting our operations,
pricing, products and services. The Company undertakes no
obligation to update or revise any forward-looking statement.
WAFD, INC. AND
SUBSIDIARIES
CONSOLIDATED STATEMENTS OF
FINANCIAL CONDITION
(UNAUDITED)
September 30, 2023
September 30, 2022
(In thousands, except share and
ratio data)
ASSETS
Cash and cash equivalents
$
980,649
$
683,965
Available-for-sale securities, at fair
value
1,995,097
2,051,037
Held-to-maturity securities, at amortized
cost
423,586
463,299
Loans receivable, net of allowance for
loan losses of $177,207 and $172,808
17,476,550
16,113,564
Interest receivable
87,003
63,872
Premises and equipment, net
237,011
243,062
Real estate owned
4,149
6,667
FHLB and FRB stock
126,820
95,073
Bank owned life insurance
242,919
237,931
Intangible assets, including goodwill of
$304,750 and $303,457
310,619
309,009
Federal and state income tax assets,
net
8,479
—
Other assets
581,793
504,652
$
22,474,675
$
20,772,131
LIABILITIES AND STOCKHOLDERS’
EQUITY
Liabilities
Transaction deposits
$
10,765,313
$
12,691,527
Time deposits
5,305,016
3,338,043
Total customer deposits
16,070,329
16,029,570
Borrowings
3,650,000
2,125,000
Advance payments by borrowers for taxes
and insurance
52,550
50,051
Federal and state income tax liabilities,
net
—
3,306
Accrued expenses and other liabilities
275,370
289,944
20,048,249
18,497,871
Stockholders’ equity
Preferred stock, $1.00 par value,
5,000,000 shares authorized; 300,000 and 300,000 shares issued;
300,000 and 300,000 shares outstanding
300,000
300,000
Common stock, $1.00 par value, 300,000,000
shares authorized; 136,466,579 and 136,270,886 shares issued;
64,736,916 and 65,330,126 shares outstanding
136,467
136,271
Additional paid-in capital
1,687,634
1,686,975
Accumulated other comprehensive (loss)
income, net of taxes
46,921
52,481
Treasury stock, at cost; 71,729,663 and
70,940,760 shares
(1,612,345
)
(1,590,207
)
Retained earnings
1,867,749
1,688,740
2,426,426
2,274,260
$
22,474,675
$
20,772,131
CONSOLIDATED FINANCIAL
HIGHLIGHTS
Common shareholders' equity per share
$
32.85
$
30.22
Tangible common shareholders' equity per
share
28.05
25.49
Shareholders' equity to total assets
10.80
%
10.95
%
Tangible shareholders' equity (TSE) to
tangible assets
9.55
9.60
TSE + allowance for credit losses to
tangible assets
10.35
10.45
Weighted average rates at period
end
Loans and mortgage-backed securities
5.08
%
4.13
%
Combined loans, all interest-earning
assets
5.07
4.04
Customer accounts
2.12
0.51
Borrowings
3.98
2.02
Combined cost of customer accounts and
borrowings
2.46
0.68
Net interest spread
2.61
3.36
WAFD, INC. AND
SUBSIDIARIES
CONSOLIDATED STATEMENTS OF
FINANCIAL CONDITION
(UNAUDITED)
As of
SUMMARY FINANCIAL DATA
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
(In thousands, except share and
ratio data)
Cash
$
980,649
$
1,139,643
$
1,118,544
$
645,862
$
683,965
Loans receivable, net
17,476,550
17,384,188
17,271,906
16,993,588
16,113,564
Allowance for credit losses ("ACL")
201,707
204,569
205,920
208,297
205,308
Available-for-sale securities, at fair
value
1,995,097
2,036,233
2,006,286
2,059,837
2,051,037
Held-to-maturity securities, at amortized
cost
423,586
434,172
445,222
453,443
463,299
Total assets
22,474,675
22,552,588
22,325,211
21,653,811
20,772,131
Transaction deposits
10,765,313
11,256,575
11,880,343
12,547,832
12,691,527
Time deposits
5,305,016
4,863,849
3,980,605
3,412,203
3,338,043
FHLB advances
3,650,000
3,750,000
3,800,000
3,075,000
2,125,000
Total shareholders' equity
2,426,426
2,394,066
2,375,117
2,324,381
2,274,260
FINANCIAL HIGHLIGHTS
Common shareholders' equity per share
32.85
32.36
31.54
30.96
30.22
Tangible common shareholders' equity per
share
28.05
27.58
26.85
26.24
25.49
Shareholders' equity to total assets
10.80
%
10.62
%
10.64
%
10.73
%
10.95
%
Tangible shareholders' equity to tangible
assets
9.55
%
9.37
%
9.39
%
9.44
%
9.60
%
Tangible shareholders' equity + ACL to
tangible assets
10.35
%
10.17
%
10.19
%
10.27
%
10.45
%
Common shares outstanding
64,736,916
64,721,190
65,793,099
65,387,745
65,330,126
Preferred shares outstanding
300,000
300,000
300,000
300,000
300,000
Loans to customer deposits
108.75
%
107.84
%
108.90
%
106.48
%
100.52
%
CREDIT QUALITY
ACL to gross loans
1.03
%
1.03
%
1.02
%
1.03
%
1.06
%
ACL to non-accrual loans
400.04
%
370.09
%
595.04
%
713.83
%
594.51
%
Non-accrual loans to net loans
0.29
%
0.32
%
0.20
%
0.17
%
0.21
%
Non-accrual loans
50,422
55,276
34,606
29,180
34,534
Non-performing assets to total assets
0.26
%
0.30
%
0.21
%
0.18
%
0.21
%
Non-performing assets
57,924
67,000
46,785
38,650
44,554
WAFD, INC. AND
SUBSIDIARIES
CONSOLIDATED STATEMENTS OF
OPERATIONS
(UNAUDITED)
Three Months Ended September
30,
Twelve Months Ended September
30,
2023
2022
2023
2022
(In thousands, except share and
ratio data)
(In thousands, except share and
ratio data)
INTEREST INCOME
Loans receivable
$
240,998
$
174,710
$
900,068
$
601,592
Mortgage-backed securities
11,695
8,263
43,184
26,332
Investment securities and cash
equivalents
29,017
14,960
99,703
38,435
281,710
197,933
1,042,955
666,359
INTEREST EXPENSE
Customer accounts
83,402
17,071
237,233
43,041
FHLB advances and other borrowings
34,611
7,243
115,488
28,729
118,013
24,314
352,721
71,770
Net interest income
163,697
173,619
690,234
594,589
Provision (release) for credit losses
26,500
1,500
41,500
3,000
Net interest income after provision
(release)
137,197
172,119
648,734
591,589
OTHER INCOME
Gain (loss) on sale of investment
securities
33
18
33
99
Gain (loss) on termination of hedging
derivatives
33
—
(867
)
—
Loan fee income
731
1,154
3,885
7,168
Deposit fee income
6,849
6,604
26,050
25,942
Other income
6,688
6,706
23,100
33,163
14,334
14,482
52,201
66,372
OTHER EXPENSE
Compensation and benefits
45,564
51,304
196,534
193,917
Occupancy
10,115
10,568
41,579
42,499
FDIC insurance premiums
7,000
2,231
20,025
9,531
Product delivery
5,819
5,104
20,973
19,536
Information technology
12,672
12,228
49,447
47,202
Other expense
11,007
11,707
47,477
45,890
92,177
93,142
376,035
358,575
Gain (loss) on real estate owned, net
(235
)
(488
)
176
651
Income before income taxes
59,119
92,971
325,076
300,037
Income tax provision
8,911
19,576
67,650
63,707
Net Income
50,208
73,395
257,426
236,330
Dividends on preferred stock
3,656
3,656
14,625
14,625
Net Income available to common
shareholders
$
46,552
$
69,739
$
242,801
$
221,705
PER SHARE DATA
Basic earnings
$
0.72
$
1.07
$
3.72
$
3.40
Diluted earnings
0.72
1.07
3.72
3.39
Cash dividends per share
0.25
0.24
0.99
0.95
Basic weighted average shares
outstanding
64,729,006
65,326,706
65,192,510
65,287,650
Diluted weighted average shares
outstanding
64,736,864
65,423,817
65,255,283
65,404,110
PERFORMANCE RATIOS
Return on average assets
0.90
%
1.44
%
1.18
%
1.17
%
Return on average common equity
8.73
14.22
11.69
11.70
Net interest margin
3.13
3.64
3.40
3.16
Efficiency ratio
51.78
49.52
50.65
54.25
WAFD, INC. AND
SUBSIDIARIES
CONSOLIDATED STATEMENTS OF
OPERATIONS
(UNAUDITED)
Three Months Ended
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
(In thousands, except share and
ratio data)
INTEREST INCOME
Loans receivable
$
240,998
$
232,167
$
222,957
$
203,946
$
174,710
Mortgage-backed securities
11,695
10,454
10,422
10,613
8,263
Investment securities and cash
equivalents
29,017
29,859
21,967
18,860
14,960
281,710
272,480
255,346
233,419
197,933
INTEREST EXPENSE
Customer accounts
83,402
70,062
52,123
31,646
17,071
FHLB advances and other borrowings
34,611
33,718
28,185
18,974
7,243
118,013
103,780
80,308
50,620
24,314
Net interest income
163,697
168,700
175,038
182,799
173,619
Provision (release) for credit losses
26,500
9,000
3,500
2,500
1,500
Net interest income after provision
(release)
137,197
159,700
171,538
180,299
172,119
OTHER INCOME
Gain (loss) on sale of investment
securities
33
—
—
—
18
Gain (loss) on termination of hedging
derivatives
33
(926
)
26
—
—
Loan fee income
731
1,000
652
1,502
1,154
Deposit fee income
6,849
6,660
6,188
6,353
6,604
Other income
6,688
7,037
3,206
6,169
6,706
14,334
13,771
10,072
14,024
14,482
OTHER EXPENSE
Compensation and benefits
45,564
50,456
51,444
49,070
51,304
Occupancy
10,115
10,444
10,918
10,102
10,568
FDIC insurance premiums
7,000
5,350
4,000
3,675
2,231
Product delivery
5,819
5,217
5,316
4,621
5,104
Information technology
12,672
11,661
12,785
12,329
12,228
Other expense
11,007
11,571
12,418
12,481
11,707
92,177
94,699
96,881
92,278
93,142
Gain (loss) on real estate owned, net
(235
)
722
(199
)
(112
)
(488
)
Income before income taxes
59,119
79,494
84,530
101,933
92,971
Income tax provision
8,911
17,719
18,596
22,424
19,576
Net income
50,208
61,775
65,934
79,509
73,395
Dividends on preferred stock
3,656
3,656
3,656
3,656
3,656
Net income available to common
shareholders
$
46,552
$
58,119
$
62,278
$
75,853
$
69,739
PER SHARE DATA
Basic earnings per common share
$
0.72
$
0.89
$
0.95
$
1.16
$
1.07
Diluted earnings per common share
0.72
0.89
0.95
1.16
1.07
Cash dividends per common share
0.25
0.25
0.25
0.24
0.24
Basic weighted average shares
outstanding
64,729,006
65,194,880
65,511,131
65,341,974
65,326,706
Diluted weighted average shares
outstanding
64,736,864
65,212,846
65,551,185
65,430,690
65,423,817
PERFORMANCE RATIOS
Return on average assets
0.90
%
1.12
%
1.21
%
1.50
%
1.44
%
Return on average common equity
8.73
11.09
12.01
15.15
14.22
Net interest margin
3.13
3.27
3.51
3.69
3.64
Efficiency ratio
51.78
51.90
52.34
46.78
49.52
View source
version on businesswire.com: https://www.businesswire.com/news/home/20231017440764/en/
WaFd, Inc. 425 Pike Street, Seattle, WA 98101 Brad Goode, SVP,
Chief Marketing Officer 206-626-8178 brad.goode@wafd.com
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