Westamerica Bancorporation (WABC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 52.48M | 53.31M | 53.59M | 54.28M | 56.09M | 58.94M | 62.15M | 63.77M | 65.75M | 69.37M | 71.72M | 69.88M | 69.15M | 68.72M | 60.31M | 47.51M | 43.28M | 42.54M | 43.32M | 43.79M |
| NII Growth % | -6.45% | -9.55% | -13.77% | -14.88% | -14.68% | -15.04% | -13.34% | -8.75% | -4.93% | 0.95% | 18.9% | 47.08% | 59.78% | 61.56% | 39.24% | 8.5% | 3.44% | 0.13% | 5.91% | 6.54% |
| Net Interest Margin % | 0.89% | 0.89% | 0.91% | 0.93% | 0.94% | 0.97% | 1.01% | 1.01% | 1.02% | 1.09% | 1.09% | 1.06% | 1.03% | 0.99% | 0.84% | 0.66% | 0.59% | 0.57% | 0.59% | 0.61% |
| Interest Income | 55.77M | 56.79M | 57.23M | 57.47M | 59.49M | 62.4M | 67.79M | 69.07M | 68.75M | 71.05M | 72.85M | 70.49M | 69.62M | 69.2M | 60.8M | 48M | 43.76M | 43.04M | 43.81M | 44.28M |
| Interest Expense | 3.29M | 3.48M | 3.65M | 3.19M | 3.4M | 3.47M | 5.64M | 5.31M | 3M | 1.68M | 1.13M | 607K | 471K | 475K | 487K | 483K | 480K | 504K | 492K | 484K |
| Loan Loss Provision | -300K | 0 | 0 | 0 | -550K | 0 | 0 | 0 | 300K | 0 | 400K | 0 | -1.55M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Interest Income | 9.61M | 10M | 10.22M | 10.31M | 10.32M | 10.63M | 11.93M | 10.5M | 10.1M | 10.99M | 11.28M | 10.7M | 10.55M | 10.46M | 11.82M | 11.26M | 11.58M | 10.84M | 11.28M | 11.03M |
| Non-Interest Income % | 14.69% | 14.98% | 15.15% | 15.22% | 14.78% | 14.56% | 14.96% | 13.2% | 12.81% | 13.4% | 13.41% | 13.18% | 13.16% | 13.13% | 16.27% | 19.01% | 20.92% | 20.12% | 20.48% | 19.95% |
| Total Revenue | 65.38M | 66.79M | 67.46M | 67.78M | 69.81M | 73.03M | 79.72M | 79.57M | 78.84M | 82.04M | 84.13M | 81.19M | 80.17M | 79.66M | 72.62M | 59.26M | 55.34M | 53.88M | 55.09M | 55.31M |
| Revenue Growth % | -6.35% | -8.55% | -15.38% | -14.82% | -11.45% | -10.98% | -5.24% | -1.99% | -1.66% | 2.99% | 15.85% | 37% | 44.89% | 47.84% | 31.82% | 7.15% | 5.39% | 0.93% | 6.27% | 8.25% |
| Non-Interest Expense | 25.91M | 25.47M | 25.8M | 25.53M | 25.13M | 25.85M | 26.31M | 26.13M | 26.1M | 25.52M | 25.65M | 25.84M | 26.21M | 25.09M | 24.77M | 24.63M | 24.88M | 23.91M | 24.7M | 24.29M |
| Efficiency Ratio | 39.63% | 38.13% | 38.25% | 37.66% | 35.99% | 35.4% | 33% | 32.84% | 33.1% | 31.1% | 30.49% | 31.83% | 32.69% | 31.5% | 34.1% | 41.56% | 44.95% | 44.38% | 44.83% | 43.92% |
| Operating Income | 36.47M | 37.84M | 37.94M | 39.06M | 41.84M | 43.72M | 47.77M | 48.13M | 49.44M | 54.85M | 56.95M | 54.74M | 55.04M | 54.1M | 47.37M | 34.15M | 29.98M | 29.47M | 29.9M | 30.53M |
| Operating Margin % | 55.79% | 56.66% | 56.24% | 57.63% | 59.93% | 59.86% | 59.92% | 60.49% | 62.71% | 66.85% | 67.69% | 67.43% | 68.65% | 67.91% | 65.22% | 57.62% | 54.18% | 54.69% | 54.28% | 55.21% |
| Operating Income Growth % | -12.83% | -13.43% | -20.57% | -18.84% | -15.38% | -20.3% | -16.12% | -12.07% | -10.17% | 1.39% | 20.23% | 60.31% | 83.6% | 83.58% | 58.4% | 11.84% | 10.53% | -7.61% | 11.7% | 17.87% |
| Pretax Income | 36.47M | 37.84M | 37.94M | 39.06M | 41.84M | 43.72M | 47.77M | 48.13M | 49.44M | 54.85M | 56.95M | 54.74M | 55.04M | 54.1M | 47.37M | 34.15M | 29.98M | 29.47M | 29.9M | 30.53M |
| Pretax Margin % | 55.79% | 56.66% | 56.24% | 57.63% | 59.93% | 59.86% | 59.92% | 60.49% | 62.71% | 66.85% | 67.69% | 67.43% | 68.65% | 67.91% | 65.22% | 57.62% | 54.18% | 54.69% | 54.28% | 55.21% |
| Income Tax | 9.12M | 10.04M | 9.68M | 10M | 10.8M | 12.02M | 12.71M | 12.67M | 13.03M | 15.38M | 15.35M | 14.49M | 14.59M | 14.75M | 12.61M | 8.84M | 7.36M | 7.75M | 7.84M | 7.95M |
| Effective Tax Rate % | 25% | 26.52% | 25.51% | 25.59% | 25.82% | 27.49% | 26.61% | 26.33% | 26.35% | 28.04% | 26.95% | 26.48% | 26.51% | 27.27% | 26.61% | 25.87% | 24.56% | 26.29% | 26.22% | 26.05% |
| Net Income | 27.36M | 27.81M | 28.26M | 29.07M | 31.04M | 31.7M | 35.06M | 35.46M | 36.42M | 39.47M | 41.6M | 40.25M | 40.45M | 39.34M | 34.76M | 25.31M | 22.62M | 21.72M | 22.06M | 22.58M |
| Net Margin % | 41.84% | 41.63% | 41.9% | 42.88% | 44.46% | 43.4% | 43.98% | 44.57% | 46.19% | 48.11% | 49.45% | 49.57% | 50.45% | 49.39% | 47.87% | 42.72% | 40.87% | 40.31% | 40.05% | 40.82% |
| Net Income Growth % | -11.86% | -12.28% | -19.38% | -18.04% | -14.77% | -19.68% | -15.73% | -11.89% | -9.97% | 0.32% | 19.68% | 58.99% | 78.86% | 81.14% | 57.55% | 12.11% | 12.25% | -8.88% | 10.03% | 15.42% |
| Net Income (Continuing) | 27.36M | 27.81M | 28.26M | 29.07M | 31.04M | 31.7M | 35.06M | 35.46M | 36.42M | 39.47M | 41.6M | 40.25M | 40.45M | 39.34M | 34.76M | 25.31M | 22.62M | 21.72M | 22.06M | 22.58M |
| EPS (Diluted) | 1.13 | 1.12 | 1.12 | 1.12 | 1.17 | 1.19 | 1.31 | 1.33 | 1.37 | 1.48 | 1.56 | 1.51 | 1.51 | 1.46 | 1.29 | 0.94 | 0.84 | 0.81 | 0.82 | 0.84 |
| EPS Growth % | -3.42% | -5.88% | -14.5% | -15.79% | -14.6% | -19.59% | -16.03% | -11.92% | -9.27% | 1.37% | 20.93% | 60.64% | 79.76% | 80.25% | 57.32% | 11.9% | 12% | -8.99% | 10.81% | 16.67% |
| EPS (Basic) | 1.13 | 1.12 | 1.12 | 1.12 | 1.17 | 1.19 | 1.31 | 1.33 | 1.37 | 1.48 | 1.56 | 1.51 | 1.51 | 1.46 | 1.29 | 0.94 | 0.84 | 0.81 | 0.82 | 0.84 |
| Diluted Shares Outstanding | 24.31M | 24.85M | 25.34M | 25.89M | 26.64M | 26.7M | 26.69M | 26.68M | 26.68M | 26.66M | 26.65M | 26.65M | 26.87M | 26.92M | 26.92M | 26.9M | 26.89M | 26.88M | 26.88M | 26.89M |