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Income Statement
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Balance Sheet
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Income Overview
Net Income
$9,328K
EPS
$0.86
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Other income-Service Charges And Fees
1,666
1,755
1,703*
1,660
Other income-Fiduciary And Trust
248
238
271*
254
Gains on sales of loans, net
54
76
34*
130
Earnings and proceeds on bank owned life insurance
326
314
287*
268
Other
232
332
194*
193
Total other income
2,526
2,715
2,488*
2,505
Loans receivable, including fees
35,585
33,873
27,026*
28,141
Securities taxable
-
-
3,641*
-
Securities tax exempt
-
-
248*
-
Securities
4,495
4,110
-
3,907
Interest bearing deposits with other banks
377
400
518*
144
Total interest income
40,457
38,383
31,432*
32,192
Deposits
12,899
12,787
11,283*
10,730
Short-term borrowings
32
60
324*
105
Other borrowings
687
982
785*
899
Total interest expense
13,618
13,829
12,392*
11,734
Net interest income
26,839
24,554
19,040*
20,458
Provision for credit losses
1,851
1,505
1,256*
-392
Provision for off balance sheet commitments
93
-46
-154*
-110
Total provision for credit losses
1,944
1,459
1,101*
-502
Net interest income after provision for credit losses
24,895
23,095
17,939*
20,960
Salaries and employee benefits
8,674
8,549
10,375*
6,696
Occupancy, furniture & equipment, net
1,569
1,725
8*
1,361
Furniture and equipment
-
-
351*
-
Data processing and related operations
1,576
1,435
1,149*
1,087
Federal deposit insurance corporation insurance assessment
-
-
388*
-
Postage and telephone
-
-
328*
-
Advertising
-
-
186*
-
Taxes, other than income
174
202
194*
192
Professional fees
596
826
-473*
968
Federal deposit insurance corporation insurance
428
507
-
368
Foreclosed real estate
31
36
139*
1
Amortization of intangibles
165
165
14*
12
Merger-related expenses
53
4,941
310*
-
Other
2,526
2,604
-14*
2,249
Total other expenses
15,792
20,990
12,952*
12,934
Income before income taxes
11,629
4,820
7,475*
10,531
Income tax expense
2,301
1,090
1,528*
2,197
Net income
9,328
3,730
5,947
8,334
Basic EPS
0.86
0.35
0.649
0.89
Diluted EPS
0.86
0.35
0.648
0.89
Basic Average Shares
10,834,000
10,769,000
9,169,000
9,316,000
Diluted Average Shares
10,849,000
10,775,000
9,178,000
9,317,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans receivable,
including fees
$35,585K
(31.24%↑ Y/Y)
Securities
$4,495K
(16.12%↑ Y/Y)
Interest bearing
deposits with other banks
$377K
(71.36%↑ Y/Y)
Total interest income
$40,457K
(29.64%↑ Y/Y)
Net interest income
$26,839K
(40.78%↑ Y/Y)
Other income-Service
Charges And Fees
$1,666K
(10.04%↑ Y/Y)
Earnings and proceeds on
bank owned life...
$326K
(22.56%↑ Y/Y)
Other
income-Fiduciary And Trust
$248K
(9.73%↑ Y/Y)
Other
$232K
(31.07%↑ Y/Y)
Gains on sales of
loans, net
$54K
(-16.92%↓ Y/Y)
Total interest
expense
$13,618K
(12.17%↑ Y/Y)
Net interest income
after provision for...
$24,895K
(37.43%↑ Y/Y)
Total other income
$2,526K
(12.37%↑ Y/Y)
Total provision for
credit losses
$1,944K
(104.63%↑ Y/Y)
Deposits
$12,899K
(18.68%↑ Y/Y)
Other borrowings
$687K
(-35.25%↓ Y/Y)
Short-term borrowings
$32K
(-84.83%↓ Y/Y)
Income before income
taxes
$11,629K
(48.48%↑ Y/Y)
Total other expenses
$15,792K
(26.02%↑ Y/Y)
Provision for credit
losses
$1,851K
(120.10%↑ Y/Y)
Provision for off balance
sheet commitments
$93K
(-14.68%↓ Y/Y)
Net income
$9,328K
(50.33%↑ Y/Y)
Income tax expense
$2,301K
(41.43%↑ Y/Y)
Salaries and employee
benefits
$8,674K
(31.32%↑ Y/Y)
Other
$2,526K
(22.27%↑ Y/Y)
Data processing and
related operations
$1,576K
(32.55%↑ Y/Y)
Occupancy, furniture &
equipment, net
$1,569K
(16.31%↑ Y/Y)
Professional fees
$596K
(-4.33%↓ Y/Y)
Federal deposit
insurance corporation...
$428K
(20.56%↑ Y/Y)
Taxes, other than
income
$174K
(-9.38%↓ Y/Y)
Amortization of intangibles
$165K
(1000.00%↑ Y/Y)
Merger-related expenses
$53K
Foreclosed real estate
$31K
(-77.37%↓ Y/Y)
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NORWOOD FINANCIAL CORP (NWFL)
NORWOOD FINANCIAL CORP (NWFL)