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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 2022
or
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from              to             
Commission file number 001-34654
WASHINGTON FEDERAL INC
(Exact name of registrant as specified in its charter)
 
Washington
91-1661606
(State or other jurisdiction of incorporation or organization)
(I.R.S. Employer Identification No.)
425 Pike Street
Seattle
Washington
98101
(Address of Principal Executive Offices)
(Zip Code)
Registrant’s telephone number, including area code (206) 624-7930
 
(Former name, former address and former fiscal year, if changed since last report.)

Securities registered pursuant to Section 12(b) of the Act:
Title of Each Class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, $1.00 par value per share
WAFD
NASDAQ Stock Market
Depositary Shares, Each Representing a 1/40th Interest in a Share of 4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock
WAFDP
NASDAQ Stock Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 ("Exchange Act") during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.      Yes      No   
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes       No  
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
 
Large accelerated filerAccelerated filer
Non-accelerated filerSmaller reporting company
Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes     No  


The registrant had outstanding 65,307,718 shares of common stock as of April 28, 2022.



WASHINGTON FEDERAL, INC. AND SUBSIDIARIES
 
  The Consolidated Financial Statements of Washington Federal, Inc. and Subsidiaries filed as a part of the report are as follows:
  
  
  
  

2

WASHINGTON FEDERAL, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
(UNAUDITED)



March 31, 2022September 30, 2021
(In thousands, except share data)
ASSETS
Cash and cash equivalents$1,947,504 $2,090,809 
Available-for-sale securities, at fair value1,909,605 2,138,259 
Held-to-maturity securities, at amortized cost301,221 366,025 
Loans receivable, net of allowance for loan losses of $171,384 and $171,300
15,094,926 13,833,570 
Interest receivable51,440 50,636 
Premises and equipment, net247,166 255,152 
Real estate owned9,509 8,204 
FHLB and FRB stock78,873 102,863 
Bank owned life insurance236,024 233,263 
Intangible assets, including goodwill of $303,457 and $303,457
309,501 310,019 
Federal and state income tax assets, net3,821 3,877 
Other assets370,689 257,897 
$20,560,279 $19,650,574 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities
Customer accounts
Transaction deposit accounts$13,139,606 $12,108,025 
Time deposit accounts3,251,042 3,434,087 
16,390,648 15,542,112 
FHLB advances1,720,000 1,720,000 
Advance payments by borrowers for taxes and insurance39,426 47,016 
Accrued expenses and other liabilities218,504 215,382 
18,368,578 17,524,510 
Commitments and contingencies (see Note I)
Shareholders’ 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; 136,243,712 and 135,993,254 shares issued; 65,306,928 and 65,145,268 shares outstanding
136,244 135,993 
Additional paid-in capital1,683,578 1,678,622 
Accumulated other comprehensive income (loss), net of taxes71,478 69,785 
Treasury stock, at cost; 70,936,784 and 70,847,986 shares
(1,590,082)(1,586,947)
Retained earnings1,590,483 1,528,611 
2,191,701 2,126,064 
$20,560,279 $19,650,574 


SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS
3

WASHINGTON FEDERAL, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF OPERATIONS
(UNAUDITED)
 Three Months Ended March 31,Six Months Ended March 31,
 2022202120222021
(In thousands, except share data)(In thousands, except share data)
INTEREST INCOME
Loans receivable$139,260 $132,757 $277,769 $266,428 
Mortgage-backed securities4,659 6,696 9,451 13,926 
Investment securities and cash equivalents6,919 7,301 14,058 14,222 
150,838 146,754 301,278 294,576 
INTEREST EXPENSE
Customer accounts8,225 10,729 16,686 24,839 
FHLB advances7,525 11,991 15,368 25,189 
15,750 22,720 32,054 50,028 
Net interest income135,088 124,034 269,224 244,548 
Provision (release) for credit losses(500)  3,000 
Net interest income after provision (release)135,588 124,034 269,224 241,548 
OTHER INCOME
Gain (loss) on sale of investment securities  81  
Gain (loss) on termination of hedging derivatives 14,110  14,110 
Prepayment penalty on long-term debt (13,788) (13,788)
Loan fee income2,475 872 4,396 3,264 
Deposit fee income6,282 5,960 12,725 11,986 
Other income6,902 7,323 17,138 12,775 
15,659 14,477 34,340 28,347 
OTHER EXPENSE
Compensation and benefits47,115 43,632 94,540 86,355 
Occupancy11,788 10,473 21,878 20,065 
FDIC insurance premiums2,100 3,755 5,200 7,018 
Product delivery5,044 4,401 9,765 9,338 
Information technology11,722 10,696 23,143 22,527 
Other expense10,648 8,789 23,504 17,853 
88,417 81,746 178,030 163,156 
Gain (loss) on real estate owned, net129 34 691 (415)
Income before income taxes62,959 56,799 126,225 106,324 
Income tax expense13,600 11,928 26,585 22,502 
Net income49,359 44,871 99,640 83,822 
Dividends on preferred stock3,656 2,722 7,312 2,722 
Net income available to common shareholders$45,703 $42,149 $92,328 $81,100 
PER SHARE DATA
Basic earnings per common share$0.70 $0.56 $1.41 $1.07 
Diluted earnings per common share0.70 0.56 1.41 1.07 
Dividends paid on common stock per share0.24 0.23 0.47 0.45 
Basic weighted average number of shares outstanding65,301,17175,354,76565,253,99175,576,288
Diluted weighted average number of shares outstanding65,445,20675,393,46465,397,60175,582,426

SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS
4

WASHINGTON FEDERAL, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(UNAUDITED)

 Three Months Ended March 31,
 20222021
(In thousands)
Net income$49,359 $44,871 
Other comprehensive income (loss) net of tax:
Net unrealized gain (loss) during the period on available-for-sale investment securities, net of tax of $10,086 and $1,114
(33,767)(3,729)
Reclassification adjustment of net (gain) loss from sale of available-for-sale securities included in net income, net of tax of $0 and $0
  
Net unrealized gain (loss) from investment securities, net of reclassification adjustment(33,767)(3,729)
Net unrealized gain (loss) during the period on borrowings cash flow hedges, net of tax of $(12,954) and $(16,230)
43,369 54,335 
Reclassification adjustment of net (gain) loss included in net income during the period from hedging derivatives, net of tax of $0 and $3,245
 (10,865)
Net unrealized gain (loss) in cash flow hedging instruments, net of reclassification adjustment43,369 43,470 
Other comprehensive income (loss)9,602 39,741 
Comprehensive income$58,961 $84,612 

 Six Months Ended March 31,
 20222021
(In thousands)
Net income$99,640 $83,822 
Other comprehensive income (loss) net of tax:
Net unrealized gain (loss) during the period on available-for-sale investment securities, net of tax of $13,950 and $(1,572)
(46,701)5,262 
Reclassification adjustment of net (gain) loss from sale of available-for-sale securities included in net income, net of tax of $(19) and $0
62  
Net unrealized gain (loss) from investment securities, net of reclassification adjustment(46,639)5,262 
Net unrealized gain (loss) during the period on borrowings cash flow hedges, net of tax of $(14,437) and $(20,857)
48,332 69,826 
Reclassification adjustment of net (gain) loss included in net income during the period from hedging derivatives, net of tax of $0 and $3,245
 (10,865)
Net unrealized gain (loss) in cash flow hedging instruments, net of reclassification adjustment48,332 58,961 
Other comprehensive income (loss)1,693 64,223 
Comprehensive income$101,333 $148,045 
SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS
5

WASHINGTON FEDERAL, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
(UNAUDITED) 

(in thousands)Preferred StockCommon StockPaid-in CapitalRetained EarningsAccumulated Other Comprehensive Income (Loss)Treasury StockTotal
Balance at January 1, 2022$300,000 $136,196 $1,680,637 $1,560,337 $61,876 $(1,589,920)$2,149,126 
Net income  — 49,359 — — 49,359 
Other comprehensive income (loss)— — — — 9,602 — 9,602 
Dividends on common stock ($0.24 per share)
  — (15,557)— — (15,557)
Dividends on preferred stock ($12.1875 per share)
  — (3,656)— — (3,656)
Proceeds from stock-based awards— 19 514 — — — 533 
Stock-based compensation expense— 29 2,427 — — — 2,456 
Treasury stock acquired  — — — (162)(162)
Balance at March 31, 2022$300,000 $136,244 $1,683,578 $1,590,483 $71,478 $(1,590,082)$2,191,701 
(in thousands)Preferred StockCommon StockPaid-in CapitalRetained EarningsAccumulated Other Comprehensive Income (Loss)Treasury StockTotal
Balance at January 1, 2021$ $135,938 $1,680,111 $1,443,280 $41,435 $(1,238,997)$2,061,767 
Net income  — 44,871 — — 44,871 
Other comprehensive income (loss)— — — — 39,741 — 39,741 
Issuance of preferred stock, net300,000  (6,675)— — — 293,325 
Dividends on common stock ($0.23 per share)
  — (17,336)— — (17,336)
Dividends on preferred stock ($9.0729 per share)
— — — (2,722)— — (2,722)
Proceeds from stock-based awards— 18 282 — — — 300 
Stock-based compensation expense— 24 2,054 — — — 2,078 
Treasury stock acquired  — — — (89,071)(89,071)
Balance at March 31, 2021$300,000 $135,980 $1,675,772 $1,468,093 $81,176 $(1,328,068)$2,332,953 

(CONTINUED)





SEE NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS
6


(in thousands)Preferred StockCommon StockPaid-in CapitalRetained EarningsAccumulated Other Comprehensive Income (Loss)Treasury StockTotal
Balance at October 1, 2021$300,000 $135,993 $1,678,622 $1,528,611 $69,785 $(1,586,947)$2,126,064 
Net income  — 99,640 — — 99,640 
Other comprehensive income (loss)— — — — 1,693 — 1,693 
Dividends on common stock ($0.47 per share)
  — (30,456)— — (30,456)
Dividends on preferred stock ($24.3750 per share)
  — (7,312)