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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Revenue
$1,362K
Net Income
$7,367K
Net Profit Margin
540.90%
EPS
$0.95
Unit: Thousand (K) dollars
Revenue Breakdown
Deposit account
Debit card
Loan brokerage commissions
Others
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Page 1
Quarterly
123
Page 1
Income Statement
2025-03-31
2024-09-30
2024-06-30
Revenue from contract with customer
1,362
1,552
1,433
Net equity securities gains (losses)
17
41
-7
Other
175
211
124
Gain on sale of loans
408
416
300
Net debt securities gains (losses), available for sale
305
-5
-12
Bank-owned life insurance
301
206
187
Total non-interest income
2,568
2,421
2,025
Short-term borrowings
1,056
932
1,087
Long-term borrowings
2,438
2,601
2,550
Deposits
8,744
9,599
8,877
Total interest expense
12,238
13,132
12,514
Dividend and other interest income
581
621
680
Taxable
1,723
1,874
1,745
Tax-exempt
60
61
75
Loans, including fees
26,014
25,632
24,529
Total interest and dividend income
28,378
28,188
27,029
Net interest income
16,140
15,056
14,515
(recovery) provision for credit losses
-2,969
740
-1,177
Net interest income after (recovery) provision for credit losses
19,109
14,316
15,692
Professional fees
505
530
572
Other
1,341
1,409
1,403
Occupancy
874
731
758
Marketing
47
60
78
Salaries and employee benefits
6,483
6,402
6,400
Federal deposit insurance corporation deposit insurance
397
399
421
Furniture and equipment
997
731
766
Software amortization
419
245
222
Merger expense
1,093
-
-
Intangible amortization
25
26
25
Pennsylvania shares tax
413
351
351
Total non-interest expense
12,594
10,884
10,996
Income before income tax provision
9,083
5,853
6,721
Income tax provision
1,716
1,052
1,331
Net income
-
4,801
5,390
Net income available to common shareholders'
7,367
-
-
Basic EPS
0.97
0.64
0.72
Diluted EPS
0.95
0.64
0.72
Basic Average Shares
7,589,592
7,544,344
7,529,239
Diluted Average Shares
7,728,688
7,544,344
7,529,239
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, including fees
$26,014K
Taxable
$1,723K
Dividend and other
interest income
$581K
Tax-exempt
$60K
Total interest and
dividend income
$28,378K
Deposit account
$483K
Debit card
$308K
Loan brokerage
commissions
$252K
Brokerage commissions
$167K
Insurance commissions
$152K
Net interest income
$16,140K
(recovery) provision for
credit losses
-$2,969K
Revenue from contract
with customer
$1,362K
Gain on sale of loans
$408K
Net debt securities
gains (losses),...
$305K
Bank-owned life insurance
$301K
Other
$175K
Net equity
securities gains (losses)
$17K
Total interest
expense
$12,238K
Net interest income
after (recovery)...
$19,109K
Total non-interest
income
$2,568K
Deposits
$8,744K
Long-term borrowings
$2,438K
Short-term borrowings
$1,056K
Income before income
tax provision
$9,083K
Total non-interest
expense
$12,594K
Net income
available to common...
$7,367K
Income tax provision
$1,716K
Salaries and employee
benefits
$6,483K
Other
$1,341K
Merger expense
$1,093K
Furniture and equipment
$997K
Occupancy
$874K
Professional fees
$505K
Software amortization
$419K
Pennsylvania shares tax
$413K
Federal deposit
insurance corporation...
$397K
Marketing
$47K
Intangible amortization
$25K
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PENNS WOODS BANCORP INC (PWOD)
PENNS WOODS BANCORP INC (PWOD)