NORWOOD FINANCIAL CORP (NWFL)
2025-06-30 | 2024-09-30 | |||
|---|---|---|---|---|
| Other income-Service Charges And Fees | 1,514 | - | ||
| Other income-Fiduciary And Trust | 226 | - | ||
| Other | 177 | 158 | ||
| Gains on sales of loans, net | 65 | 103 | ||
| Earnings and proceeds on bank owned life insurance | 266 | 261 | ||
| Revenue from contract with customer, excluding assessed tax | - | 1,874 | ||
| Total other income | 2,248 | 2,295 | ||
| Federal deposit insurance corporation premium expense (income) | - | 339 | ||
| Taxes, other than income | 192 | 179 | ||
| Professional fees | 623 | 576 | ||
| Other | 2,066 | 2,242 | ||
| Occupancy, furniture & equipment, net | 1,349 | 1,269 | ||
| Salaries and employee benefits | 6,605 | 6,239 | ||
| Data processing and related operations | 1,189 | 1,162 | ||
| Federal deposit insurance corporation insurance | 355 | - | ||
| Amortization of intangibles | 15 | 16 | ||
| Foreclosed real estate | 137 | 9 | ||
| Total other expenses | 12,531 | 12,031 | ||
| Provision for (release of) credit losses | 841 | - | ||
| Provision for off balance sheet commitments | 109 | - | ||
| Total provision for (release of) credit losses | 950 | 1,345 | ||
| Short-term borrowings | 211 | 323 | ||
| Other borrowings | 1,061 | 1,680 | ||
| Deposits | 10,869 | 10,553 | ||
| Total interest expense | 12,141 | 12,556 | ||
| Other interest and dividend income | - | 497 | ||
| Interest bearing deposits with other banks | 220 | - | ||
| Loans receivable, including fees | 27,115 | 25,464 | ||
| Securities | 3,871 | 2,526 | ||
| Total interest income | 31,206 | 28,487 | ||
| Net interest income | 19,065 | 15,931 | ||
| Net interest income after provision for (release of) credit losses | 18,115 | 14,586 | ||
| Income before income taxes | 7,832 | 4,850 | ||
| Income tax expense | 1,627 | 1,006 | ||
| Net income | 6,205 | 3,844 | ||
| Basic eps weighted average shares outstanding | 9,208,000 | 8,046,000 | ||
| Earnings per share, basic | 0.67 | 0.48 | ||
| Earnings per share, diluted | 0.67 | 0.48 | ||
| Weighted average number of shares outstanding, diluted | 9,210,000 | 8,052,000 | ||