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WaFd Reports Second Quarter Fiscal 2024 Results Following Completion of Merger of Luther Burbank Corporation

Businesswire ·  04/22 17:00

SEATTLE--(BUSINESS WIRE)--$wafd #earnings--WaFd, Inc. (Nasdaq: WAFD) (the "Company"), parent company of Washington Federal Bank ("WaFd Bank" or the "Bank"), today announced quarterly earnings after successfully completing the merger of California-based Luther Burbank Corporation ("LBC").


Earnings for the quarter ended March 31, 2024 were $15,888,000, a decrease of 73% from net earnings of $58,453,000 for the quarter ended December 31, 2023 and a decrease of 76% from net earnings of $65,934,000 for the quarter ended March 31, 2023. After the effect of dividends on preferred stock, net income available for common shareholders was $0.17 per diluted share for the quarter ended March 31, 2024, compared to $0.85 per diluted share for the quarter ended December 31, 2023, a $0.68 or 80% decrease, and $0.95 per diluted share for the quarter ended March 31, 2023, a $0.78 or 82% decrease in fully diluted earnings per common share. For the quarter ended March 31, 2024, return on common shareholders' equity was 2.09% and return on assets was 0.26%. These results reflect merger-related costs and certain non-operating expenses of $51.1 million for the quarter. Adjusted for these expenses, return on common shareholders' equity for the quarter ended March 31, 2024 was 8.7% compared to 10.21% for the quarter ended December 31, 2023 and 12.01% for the quarter ended March 31, 2023. Adjusted, return on assets for the quarter ended March 31, 2024 was 0.9% compared to 1.0% for the previous quarter and 1.2% for the same quarter in the prior year. For a reconciliation, see the Non-GAAP Financial Measures section below.

President and CEO Brent Beardall commented, "In the future, when we look back at the acquisition of Luther Burbank, we will see the addition of this $8 billion asset franchise in California as a transformational event for WaFd Bank. As expected, there is a lot of noise in the quarter so we have provided disclosures showing what earnings would have been without the merger costs and certain non-operating income and expenses. Absent these items, net income would have been $54.8 million, a 6% decrease from the December quarter. While the continuation of the challenging interest rate environment has made strategic execution more difficult, we remain excited by the potential of this purchase.

"I am especially proud of how quickly we were able to complete this acquisition once regulatory approval was granted. We closed on the acquisition of LBC on February 29, 2024. The next day, Friday March 1st, we started the systems conversions and branch re-branding and completed the work just two days later, opening our doors March 4th as WaFd branches operating on WaFd's core systems. To my knowledge this was one of, if not the fastest close-to-conversion in modern history for U.S. banking for transactions over $1 billion. Speed only matters if you are able to execute with quality and our teams, especially our front-line bankers in the California branches and the support teams in operations and technology, were remarkably successful executing the conversion plan. The best indicator of this success is the behavior of the impacted clients. From conversion until quarter end, deposit accounts are down only 1.1%.

"A lot has changed since we announced the acquisition of LBC in November 2022. Importantly, we have identified a portion of the LBC multifamily loan portfolio (up to $3.2 billion) that would be attractive to potential buyers and have initiated a program to sell these loans. We have engaged a third party to facilitate this process. There has been a lot of interest in these loans, we are working through the bidding process and expect to execute on the sale in the next few months. We are mindful of the benefits of selling these loans, the resulting liquidity and the options going forward, whether to pay down debt, originate new loans or a combination of both. Ultimately, the amount of loans sold is dependent on price and certainty for execution.

"An acquisition of the size of LBC is meaningful for WaFd; their assets were 34% of standalone WaFd assets. Why did we do it? Why take the risk? We believe this acquisition will accrue to the benefit of our clients, our communities, our shareholders and our employees. Now that it is substantially complete, we believe common shareholders will experience earnings per share accretion of 8% in fiscal 2025 and 16% in fiscal 2026. These estimates factor in the redeployment of the funds received in the potential loan sale into higher yielding assets. Projections that lead to those returns are contained in the Non-GAAP Financial Measures section below.

"We are grateful to be one of the strongest regional banks in the now nine western states in which we operate. Our value proposition is straightforward, we provide relationship banking to our clients through a platform that is large enough to be meaningful but small enough to be nimble and responsive to our clients. We are more optimistic today about our future prospects than any time in my 24 years at WaFd.

"There have been significant changes in interest rates and market values of assets since the merger announcement and the table below calls out what we were expecting in November of 2022 compared to what we are expecting today."

At Announcement Nov 2022

Estimate as of March 31, 2024

EPS Accretion

7.9% accretion subsequent full fiscal year

8% accretion for FY 2025, subsequent full fiscal year

Cost savings

25% of LBC's 2023 non-interest expense. Phased in 50% in the first year.

45% or $31 million immediate savings

Merger costs - pre tax

$37 million

Under $30 million

Discount on LBC loans

$202 million

$472 million

Merger consideration value

$654 million

$466 million

Goodwill

$108 million

$106 million

December 31, 2023

March 31, 2024

Tangible Common Equity Per Share*

$28.05

$26.64

*Metric is a non-GAAP Financial Measure. See page 13 for additional information on our use of Non-GAAP Financial Measures.

As a result of the merger on February 29, 2024, the Company's balances as of March 31, 2024 reflect the newly combined entity and the activity for the quarter then ended include one month of LBC-related activity. Given this, the Company's financial results are not directly comparable to prior reported periods. Total assets were $30.1 billion as of March 31, 2024, compared to $22.5 billion at September 30, 2023, primarily due to the addition of $7.7 billion of LBC assets at fair value on February 29, 2024.

Net loans held for investment increased by $3.3 billion, or 19.0%, from September 30, 2023 to March 31, 2024 reflecting the addition of LBC loans with a fair value of $3.2 billion. The fair value of total loans obtained in the merger was $6.2 billion. The Company has identified approximately $3.2 billion of the acquired multifamily loans to sell and has classified these as Loans Held for Sale at fair value.

Cash and cash equivalents as of March 31, 2024 increased by $525.1 million, or 53.5%, since September 30, 2023. Investment securities increased by $477.3 million during the quarter due to the addition of $529.2 million in securities obtained in the merger.

Customer deposits totaled $21.3 billion as of March 31, 2024, an increase of 32.8% since September 30, 2023 due to $5.6 billion in deposits obtained in the merger. Transaction accounts increased by $1.6 billion or 14.6% during that period, while time deposits increased $3.7 billion or 69.7% as 66% of the LBC deposit portfolio was time deposits. As a result of this mix, the percentage of the Company's transaction accounts at March 31, 2024 decreased to 57.8% compared to 67.0% at September 30, 2023. Core deposits, defined as all transaction accounts and time deposits less than $250,000, totaled 82.1% of deposits at March 31, 2024. Deposits that are uninsured or not collateralized were 25.5% as of March 31, 2024, a slight decrease from 25.7% as of September 30, 2023.

Borrowings totaled $5.3 billion as of March 31, 2024, up from $3.7 billion at September 30, 2023 with $1.4 billion attributable to the merger. The Company also assumed additional debt in connection with the merger in the form of approximately $50 million in floating rate junior subordinated debentures, due June 2036 and June 2037, and $94 million in 6.5% senior unsecured term notes maturing September 30, 2024. The effective weighted average interest rate of the combined borrowings and debt was 4.48% as of March 31, 2024, compared to 3.98% at September 30, 2023 as a result of adding the LBC borrowings.

The Company had loan originations of $0.8 billion for the second fiscal quarter of 2024, compared to $1.0 billion of originations in the same quarter one year ago. Offsetting loan originations in each of these quarters were loan repayments of $1.0 billion and $1.1 billion, respectively. The Bank has intentionally slowed new loan production to temper net loan growth. Commercial loans represented 77% of all loan originations during the second fiscal quarter of 2024 and consumer loans accounted for the remaining 23%. Commercial loans are viewed by the Bank as preferable; they generally have floating interest rates and shorter durations. The weighted average interest rate on the loan portfolio was 5.02% as of March 31, 2024, a decrease from 5.22% as of September 30, 2023, due primarily to adding the lower yielding LBC portfolio.

Credit quality continues to be monitored closely in light of the shifting economic and monetary environment. As of March 31, 2024, non-performing assets were $68 million, or 0.2% of total assets, from $58 million, or 0.3%, at September 30, 2023. The percentage of delinquent loans was 0.4% of total loans for both March 31, 2024 and September 30, 2023 as a result of the increased loan balance. The following table shows the effect the merger had on the change in non-performing assets and delinquencies.

Non-Performing Assets

Delinquencies

(In thousands)

Balance at September 30, 2023

$

57,924

$

63,315

Decrease in balance

(2,536

)

(5,258)

Balance at December 31, 2023

55,388

58,057

Merger-related additions

13,487

23,258

Decrease in balance

(514

)

(5,267)

Balance at March 31, 2024

$

68,361

$

76,048

The allowance for credit losses including the reserve for unfunded commitments ("ACL") totaled $225 million as of March 31, 2024, and was 1.00% of gross loans outstanding, as compared to $202 million, or 1.04% of gross loans outstanding, as of September 30, 2023. The increase in the ACL reflects the $16.0 million provision recorded on LBC loans held for investment that are not credit deteriorated and the $7.4 million estimated lifetime credit losses for those that are considered purchased credit deteriorated ("PCD"). Net charge-offs were $146,000 for the second fiscal quarter of 2024, compared to net charge-offs of $6 million for the prior year same quarter.

The Company paid quarterly dividends on Series A preferred stock on January 15, 2024 and April 15, 2024. On March 8, 2024, the Company paid a regular cash dividend on common stock of $0.26 per share, which represented the 164th consecutive quarterly cash dividend. During the quarter, the Company repurchased 7,837 shares of common stock at a weighted average price of $30.38 per share and has authorization to repurchase 1,853,453 additional shares. Tangible common shareholders' equity per share decreased by $1.41, or 5.0%, to $26.64 since September 30, 2023. Over the past 12 months, tangible book value decreased per share by $0.21 or 0.8%. The ratio of total tangible shareholders' equity to tangible assets decreased to 8.31% as of March 31, 2024. See the reconciliation for these non-GAAP measures starting on page 13.

Net interest income was $159 million for the second fiscal quarter of 2024, a decrease of $16.4 million or 9.4% from the same quarter in the prior year. The decrease in net interest income was primarily due to the 129 basis point increase in the average rate paid on interest-bearing liabilities outpacing the 38 basis point increase in the average rate earned on interest-earning assets. Net interest income also increased by $6.4 million compared to the quarter ended December 31, 2023 due to a larger increase in the average interest earning assets than the increase in interest bearing liabilities as a result of the merger. Net interest margin was 2.73% in the second fiscal quarter of 2024 compared to 2.91% for the quarter ended December 31, 2023 and 3.51% for the prior year quarter.

Total other income was $13.4 million for the second fiscal quarter of 2024 compared to $10.1 million in the prior year same quarter. The increase is primarily due to recording $1.8 million less unrealized losses for certain equity method investments in the current quarter compared to the quarter ended March 31, 2023. Small increases in insurance agency commissions recognized by the WAFD Insurance Group and increased fees earned as a result of the merger account for the remaining change.

Total other expense was $133.7 million in the second fiscal quarter of 2024, an increase of $36.8 million, or 38.0%, from the prior year's quarter. Compensation expense increased as a result of $19 million in merger-related retention, severance and change-in-control expenses combined with a larger post-merger workforce. FDIC premiums increased $3.9 million compared to the same period last year and included a $1.8 million expense for an FDIC special assessment. Total other expense also increased by $10.9 million compared to the same quarter in the prior year. This is largely due to $5.9 million in merger related expenses in the quarter as well as $5 million in non-operating expenses including a $2 million charitable donation and $3 million in accruals related to legal and compliance related items.

The Company recorded a provision for credit losses of $16.0 million in the second fiscal quarter of 2024, compared to a provision for credit losses of $3.5 million in the same quarter of fiscal 2023. The provision for loan losses in the quarter ended March 31, 2024 represents the preliminary lifetime loss estimate for the non-PCD loans obtained in the merger.

The Company's efficiency ratio in the second fiscal quarter of 2024 was 58.5% (as adjusted, see Non-GAAP Financial Measures below), compared to 58.0% in the prior quarter and 52.3% for the same period one year ago.

Income tax expense totaled $5.1 million for the second fiscal quarter of 2024, as compared to $18.6 million for the prior year same quarter. The effective tax rate for the quarter ended March 31, 2024 was 24.21% compared to 20.81% for the year ended September 30, 2023. Although the Company's effective tax rate may vary from the statutory rate mainly due to state taxes, tax-exempt income and tax-credit investments, much of the change in the current quarter resulted specifically from the merger and consideration of California State and Local taxes.

WaFd Bank is headquartered in Seattle, Washington, and has 210 branches in nine western states. To find out more about WaFd Bank, please visit our website . The Company uses its website to distribute financial and other material information about the Company.

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(UNAUDITED)

March 31, 2024

September 30, 2023

(In thousands, except share and ratio data)

ASSETS

Cash and cash equivalents

$

1,505,771

$

980,649

Available-for-sale securities, at fair value

2,438,114

1,995,097

Held-to-maturity securities, at amortized cost

457,882

423,586

Loans receivable, net of allowance for loan losses of $201,577 and $177,207

20,795,259

17,476,550

Loans held for sale

2,993,658

Interest receivable

115,484

87,003

Premises and equipment, net

243,465

237,011

Real estate owned

4,245

4,149

FHLB stock

160,817

126,820

Bank owned life insurance

264,043

242,919

Intangible assets, including goodwill of $411,401 and $304,750

453,539

310,619

Federal and state income tax assets, net

146,833

8,479

Other assets

561,178

581,793

$

30,140,288

$

22,474,675

LIABILITIES AND SHAREHOLDERS' EQUITY

Liabilities

Transaction deposits

$

12,338,862

$

10,765,313

Time deposits

9,000,911

5,305,016

Total customer deposits

21,339,773

16,070,329

Borrowings

5,345,518

3,650,000

Junior subordinated deferrable debentures

50,254

Senior debt

$95,000 face amount, 6.5% interest rate, due September 30, 2024

93,729

Advance payments by borrowers for taxes and insurance

49,350

52,550

Accrued expenses and other liabilities

339,758

275,370

27,218,382

20,048,249

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; 153,834,612 and 136,466,579 shares issued; 81,405,391 and 64,736,916 shares outstanding

153,835

136,467

Additional paid-in capital

2,143,343

1,687,634

Accumulated other comprehensive income (loss), net of taxes

51,935

46,921

Treasury stock, at cost; 72,429,221 and 71,729,663 shares

(1,629,512

(1,612,345)

Retained earnings

1,902,305

1,867,749

2,921,906

2,426,426

$

30,140,288

$

22,474,675

CONSOLIDATED FINANCIAL HIGHLIGHTS

Common shareholders' equity per share

$

32.21

$

32.85

Tangible common shareholders' equity per share1

26.64

28.05

Shareholders' equity to total assets

9.69

10.80%

Tangible shareholders' equity to tangible assets1

8.31

9.55%

Tangible shareholders' equity + allowance for credit losses to tangible assets1

8.99

10.35%

1Metric is a non-GAAP Financial Measure. See page 13 for additional information on our use of Non-GAAP Financial Measures.

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(UNAUDITED)

As of

SUMMARY FINANCIAL DATA

March 31, 2024

December 31, 2023

September 30, 2023

June 30, 2023

March 31, 2023

(In thousands, except share and ratio data)

Cash

$

1,505,771

$

1,144,774

$

980,649

$

1,139,643

$

1,118,544

Loans receivable, net

20,795,259

17,584,622

17,476,550

17,384,188

17,271,906

Allowance for credit losses ("ACL")

225,077

201,820

201,707

204,569

205,920

Loans held for sale

2,993,658

Available-for-sale securities, at fair value

2,438,114

2,018,445

1,995,097

2,036,233

2,006,286

Held-to-maturity securities, at amortized cost

457,882

415,079

423,586

434,172

445,222

Total assets

30,140,288

22,640,122

22,474,675

22,552,588

22,325,211

Transaction deposits

12,338,862

10,658,064

10,765,313

11,256,575

11,880,343

Time deposits

9,000,911

5,380,723

5,305,016

4,863,849

3,980,605

Borrowings

5,489,501

3,875,000

3,650,000

3,750,000

3,800,000

Total shareholders' equity

2,921,906

2,452,004

2,426,426

2,394,066

2,375,117

FINANCIAL HIGHLIGHTS

Common shareholders' equity per share

$

32.21

$

33.49

$

32.85

$

32.36

$

31.54

Tangible common shareholders' equity per share2

$

26.64

$

28.65

$

28.05

$

27.58

$

26.85

Shareholders' equity to total assets

9.69

%

10.83

%

10.80

%

10.62

%

10.64%

Tangible shareholders' equity to tangible assets2

8.31

%

9.59

%

9.55

%

9.37

%

9.39%

Tangible shareholders' equity + ACL to tangible assets2

8.99

%

10.39

%

10.35

%

10.17

%

10.19%

Common shares outstanding

81,405,391

64,254,700

64,736,916

64,721,190

65,793,099

Preferred shares outstanding

300,000

300,000

300,000

300,000

300,000

Loans to customer deposits 1

97.45

%

109.64

%

108.75

%

107.84

%

108.90%

CREDIT QUALITY1

ACL to gross loans

1.00

%

1.04

%

1.03

%

1.03

%

1.02%

ACL to non-accrual loans

370.16

%

445.93

%

400.04

%

370.09

%

595.04%

Non-accrual loans to net loans

0.29

%

0.26

%

0.29

%

0.32

%

0.20%

Non-accrual loans

$

60,806

$

45,258

$

50,422

$

55,276

$

34,606

Non-performing assets to total assets

0.23

%

0.24

%

0.26

%

0.30

%

0.21%

Non-performing assets

$

68,361

$

55,388

$

57,924

$

67,000

$

46,785

Criticized loans to net loans

2.59

%

2.27

%

2.33

%

2.42

%

2.46%

Criticized loans

$

537,802

$

399,895

$

407,086

$

421,507

$

424,539

Substandard loans to net loans

1.48

%

1.74

%

1.75

%

1.71

%

1.67%

Substandard loans

$

307,412

$

305,606

$

305,179

$

296,541

$

289,259

1Metrics include only loans held for investment. Loans held for sale are not included.

2Metric is a non-GAAP Measure. See page 13 for additional information on our use of Non-GAAP Financial Measures.

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

(UNAUDITED)

Three Months Ended March 31,

Six Months Ended March 31,

2024

2023

2024

2023

(In thousands, except share and ratio data)

INTEREST INCOME

Loans receivable

$

274,341

$

222,957

$

520,133

$

426,903

Mortgage-backed securities

12,905

10,422

24,171

21,035

Investment securities and cash equivalents

31,580

21,967

61,368

40,827

318,826

255,346

605,672

488,765

INTEREST EXPENSE

Customer accounts

116,164

52,123

212,835

83,769

Borrowings, senior debt and junior subordinated debentures

44,065

28,185

82,003

47,159

160,229

80,308

294,838

130,928

Net interest income

158,597

175,038

310,834

357,837

Provision (release) for credit losses

16,000

3,500

16,000

6,000

Net interest income after provision (release)

142,597

171,538

294,834

351,837

OTHER INCOME

Gain (loss) on sale of investment securities

90

171

Gain (loss) on termination of hedging derivatives

6

26

115

26

Loan fee income

550

652

1,394

2,154

Deposit fee income

6,698

6,188

13,500

12,541

Other income

6,048

3,206

12,379

9,375

13,392

10,072

27,559

24,096

OTHER EXPENSE

Compensation and benefits

73,155

51,444

122,996

100,514

Occupancy

10,918

10,918

20,289

21,020

FDIC insurance premiums

7,900

4,000

14,470

7,675

Product delivery

5,581

5,316

11,590

9,937

Information technology

12,883

12,785

25,749

25,114

Other expense

23,275

12,418

35,158

24,899

133,712

96,881

230,252

189,159

Gain (loss) on real estate owned, net

(1,315

(199

)

511

(311)

Income before income taxes

20,962

84,530

92,652

186,463

Income tax provision

5,074

18,596

18,311

41,020

Net income

15,888

65,934

74,341

145,443

Dividends on preferred stock

3,656

3,656

7,312

7,312

Net income available to common shareholders

$

12,232

$

62,278

$

67,029

$

138,131

PER SHARE DATA

Basic earnings per common share

$

0.17

$

0.95

$

1.00

$

2.11

Diluted earnings per common share

0.17

0.95

1.00

2.11

Cash dividends per common share

0.26

0.25

0.51

0.49

Basic weighted average shares outstanding

70,129,072

65,511,131

67,197,352

65,425,623

Diluted weighted average shares outstanding

70,164,558

65,551,185

67,225,099

65,510,275

PERFORMANCE RATIOS

Return on average assets

0.26

1.21

%

0.63

1.36%

Return on average common equity

2.09

12.01

5.98

13.55

Net interest margin

2.73

3.51

2.82

3.60

Efficiency ratio

77.74

52.34

68.04

49.53

WAFD, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

(UNAUDITED)

Three Months Ended

March 31, 2024

December 31, 2023

September 30, 2023

June 30, 2023

March 31, 2023

(In thousands, except share and ratio data)

INTEREST INCOME

Loans receivable

$

274,341

$

245,792

$

240,998

$

232,167

$

222,957

Mortgage-backed securities

12,905

11,266

11,695

10,454

10,422

Investment securities and cash equivalents

31,580

29,788

29,017

29,859

21,967

318,826

286,846

281,710

272,480

255,346

INTEREST EXPENSE

Customer accounts

116,164

96,671

83,402

70,062

52,123

Borrowings, senior debt and jr. subordinated debentures

44,065

37,938

34,611

33,718

28,185

160,229

134,609

118,013

103,780

80,308

Net interest income

158,597

152,237

163,697

168,700

175,038

Provision (release) for credit losses

16,000

26,500

9,000

3,500

Net interest income after provision (release)

142,597

152,237

137,197

159,700

171,538

OTHER INCOME

Gain (loss) on sale of investment securities

90

81

33

Gain (loss) on termination of hedging derivatives

6

109

33

(926

)

26

Loan fee income

550

844

731

1,000

652

Deposit fee income

6,698

6,802

6,849

6,660

6,188

Other income

6,048

6,331

6,688

7,037

3,206

13,392

14,167

14,334

13,771

10,072

OTHER EXPENSE

Compensation and benefits

73,155

49,841

45,564

50,456

51,444

Occupancy

10,918

9,371

10,115

10,444

10,918

FDIC insurance premiums

7,900

6,570

7,000

5,350

4,000

Product delivery

5,581

6,009

5,819

5,217

5,316

Information technology

12,883

12,866

12,672

11,661

12,785

Other expense

23,275

11,883

11,007

11,571

12,418

133,712

96,540

92,177

94,699

96,881

Gain (loss) on real estate owned, net

(1,315

)

1,826

(235

)

722

(199)

Income before income taxes

20,962

71,690

59,119

79,494

84,530

Income tax provision

5,074

13,237

8,911

17,719

18,596

Net income

15,888

58,453

50,208

61,775

65,934

Dividends on preferred stock

3,656

3,656

3,656

3,656

3,656

Net income available to common shareholders

$

12,232

$

54,797

$

46,552

$

58,119

$

62,278

PER SHARE DATA

Basic earnings per common share

$

0.17

$

0.85

$

0.72

$

0.89

$

0.95

Diluted earnings per common share

0.17

0.85

0.72

0.89

0.95

Cash dividends per common share

0.26

0.25

0.25

0.25

0.25

Basic weighted average shares outstanding

70,129,072

64,297,499

64,729,006

65,194,880

65,511,131

Diluted weighted average shares outstanding

70,164,558

64,312,110

64,736,864

65,212,846

65,551,185

PERFORMANCE RATIOS

Return on average assets

0.26

%

1.04

%

0.90

%

1.12

%

1.21%

Return on average common equity

2.09

10.21

8.73

11.09

12.01

Net interest margin

2.73

2.91

3.13

3.27

3.51

Efficiency ratio

77.74

58.02

51.78

51.90

52.34


Contacts

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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