Financial insights of HWCPZ

MyFinsight

For the quarter ending 2025-09-30, HWCPZ made $857,393K in revenue. $127,466K in net income. Net profit margin of 14.87%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30
Loans, including fees	344,341
Loans held for sale	375
Securities-taxable	56,337
Securities-tax exempt	3,932
Short-term investments	4,035
Total interest income	409,020
Deposits	118,101
Short-term borrowings	8,201
Long-term debt	2,980
Total interest expense	129,282
Net interest income	279,738
Provision for credit losses	12,651
Net interest income after provision for credit losses	267,087
Service charges on deposit accounts-Deposit Account	25,220
Service charges on deposit accounts-Fiduciary And Trust	24,211
Service charges on deposit accounts-Credit And Debit Card	21,814
Service charges on deposit accounts-Investment Advisory Management And Administrative Service	14,507
Service charges on deposit accounts-Mortgage Banking	3,475
Other income	16,774
Total noninterest income	106,001
Compensation expense	100,681
Employee benefits	21,341
Personnel expense	122,022
Net occupancy expense	14,066
Equipment expense	4,156
Data processing expense	30,665
Professional services expense	13,375
Amortization of intangible assets	2,694
Deposit insurance and regulatory fees	4,656
Other real estate and foreclosed assets expense (income), net	-337
Other expense	21,456
Total noninterest expense	212,753
Income before income taxes	160,335
Income taxes expense	32,869
Net income	127,466

Earnings per share, basic	1.5
Earnings per share, diluted	1.49
Weighted average number of shares outstanding, basic	84,871,000
Weighted average number of shares outstanding, diluted	85,453,000