Financial insights of NWFL

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Other income-Service Charges And Fees	6,421
Other income-Fiduciary And Trust	1,033
Net gain on sale of loans	326
Earnings and proceeds on life insurance policies	1,088
Other	749
Total other income (loss)	9,617
Loans receivable, including fees	109,910
Securities taxable	14,563
Securities tax exempt	991
Interest-bearing deposits with banks	1,064
Total interest income	126,528
Deposits	43,681
Short-term borrowings	798
Other borrowings	3,725
Total interest expense	48,204
Net interest income	78,324
Provision for credit losses	1,929
(release of) provision for off balance sheet commitments	-156
Total provision for credit losses	1,773
Net interest income after provision for credit losses	76,551
Salaries and employee benefits	26,928
Occupancy	4,073
Furniture and equipment	1,405
Data processing and related operations	4,563
Federal deposit insurance corporation insurance assessment	1,552
Advertising	742
Professional fees	1,913
Postage and telephone	1,311
Taxes, other than income	770
Foreclosed real estate	142
Amortization of intangible assets	54
Merger	1,238
Other	6,458
Total other expenses	51,149
Income (loss) before income taxes	35,019
Income tax expense (benefit)	7,264
Net income (loss)	27,755

Basic EPS	3.01
Diluted EPS	3.01
Basic Average Shares	9,231,000
Diluted Average Shares	9,235,000