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Income Statement
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Balance Sheet
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Income Overview
Net Income
$3,772K
EPS
$0.53
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
Loans, including fees
10,691
10,614
10,313*
10,800
Investment securities, taxable
2,836
2,791
2,849*
2,883
Investment securities, non-taxable
465
445
353*
330
Equity securities
5
5
5*
5
Interest-earning deposits with banks and federal funds sold
882
728
749*
682
Total interest income
14,879
14,583
14,268*
14,700
Interest checking and money market accounts
1,671
1,725
1,626*
1,741
Savings deposits
304
261
158*
158
Time deposits, 250,000 and over
1,125
1,204
1,360*
1,335
Other time deposits
1,251
1,304
1,361*
1,247
Short-term borrowed funds
1
1
7*
1
Long-term debt
341
324
332*
330
Total interest expense
4,693
4,819
4,843*
4,812
Net interest income
10,186
9,764
9,425*
9,888
Loans
-405
-82
105*
192
Securities held to maturity
-1
-
10*
-8
Unfunded loan commitments
18
-20
34*
8
Total provision for (recovery of) credit losses
-424
-62
81*
176
Net interest income after provision for (recovery of) credit losses
10,610
9,826
9,344*
9,712
Service charges on deposit accounts
286
289
246*
280
Other service fees and commissions
1,109
1,054
1,142*
1,002
Interchange and card transaction fees, net
341
242
254*
252
Gain on sale of securities
-
186
-
-
Realized/unrealized gain (loss) on equity securities
-825
21
-62*
7
Income from mortgage banking
997
1,181
941*
927
Supplemental executive retirement plan gain
363
-194
-368*
293
Other income
124
180
123*
145
Total noninterest income
4,045
2,959
2,274*
2,906
Salaries and employee benefits
5,973
5,882
5,500*
5,581
Net occupancy expense
480
497
492*
488
Equipment expense
205
199
205*
195
Data processing costs
237
225
213*
223
Loan costs
84
66
96*
47
Professional fees and services
210
213
285*
289
Marketing and donations
666
395
383*
375
Electronic banking expense
129
138
114*
137
Software amortization and maintenance
431
410
394*
412
Fdic insurance
142
141
132*
137
Supplemental executive retirement plan gain
363
-194
-368*
293
Other noninterest expense
743
723
577*
684
Total noninterest expense
9,663
8,695
8,021*
8,861
Income before income taxes
4,992
4,090
3,597*
3,757
Income taxes
1,079
875
814*
867
Net income
3,913
3,215
2,783*
2,890
Less net income attributable to noncontrolling interest
141
139
141*
142
Net income attributable to common shareholders
3,772
3,076
2,642
2,748
Basic EPS
0.53
0.43
0.355
0.38
Diluted EPS
0.53
0.43
0.355
0.38
Basic Average Shares
7,131,251
7,167,728
7,450,198
7,216,259
Diluted Average Shares
7,131,251
7,167,728
7,450,198
7,216,259
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
$10,691K
(2.02%↑ Y/Y)
Investment securities,
taxable
$2,836K
(-1.39%↓ Y/Y)
Interest-earning deposits with
banks and federal...
$882K
(33.23%↑ Y/Y)
Investment securities,
non-taxable
$465K
(48.09%↑ Y/Y)
Equity securities
$5K
(0.00%↑ Y/Y)
Total interest income
$14,879K
(3.79%↑ Y/Y)
Loans
-$405K
(-267.36%↓ Y/Y)
Unfunded loan
commitments
$18K
(169.23%↑ Y/Y)
Securities held to maturity
-$1K
(92.86%↑ Y/Y)
Net interest income
$10,186K
(4.68%↑ Y/Y)
Total provision for
(recovery of) credit...
-$424K
(-266.93%↓ Y/Y)
Other service fees and
commissions
$1,109K
(12.13%↑ Y/Y)
Income from mortgage
banking
$997K
(-2.92%↓ Y/Y)
Realized/unrealized gain (loss) on
equity securities
-$825K
(-5992.86%↓ Y/Y)
Supplemental executive
retirement plan gain
$363K
(-2.68%↓ Y/Y)
Interchange and card
transaction fees, net
$341K
(10.71%↑ Y/Y)
Service charges on
deposit accounts
$286K
(8.75%↑ Y/Y)
Other income
$124K
(12.73%↑ Y/Y)
Total interest
expense
$4,693K
(1.91%↑ Y/Y)
Net interest income
after provision for...
$10,610K
(11.96%↑ Y/Y)
Total noninterest
income
$4,045K
(31.16%↑ Y/Y)
Interest checking and
money market accounts
$1,671K
(3.85%↑ Y/Y)
Other time deposits
$1,251K
(-4.21%↓ Y/Y)
Time deposits,
250,000 and over
$1,125K
(-7.56%↓ Y/Y)
Long-term debt
$341K
(5.25%↑ Y/Y)
Savings deposits
$304K
(120.29%↑ Y/Y)
Short-term borrowed funds
$1K
(-90.91%↓ Y/Y)
Income before income
taxes
$4,992K
(39.40%↑ Y/Y)
Total noninterest
expense
$9,663K
(7.61%↑ Y/Y)
Net income
$3,913K
(38.56%↑ Y/Y)
Income taxes
$1,079K
(42.54%↑ Y/Y)
Salaries and employee
benefits
$5,973K
(4.59%↑ Y/Y)
Other noninterest
expense
$743K
(3.19%↑ Y/Y)
Marketing and donations
$666K
(85.52%↑ Y/Y)
Net occupancy
expense
$480K
(10.85%↑ Y/Y)
Software amortization
and maintenance
$431K
(21.07%↑ Y/Y)
Supplemental executive
retirement plan gain
$363K
(-2.68%↓ Y/Y)
Data processing
costs
$237K
(3.95%↑ Y/Y)
Professional fees and
services
$210K
(-21.35%↓ Y/Y)
Equipment expense
$205K
(-0.97%↓ Y/Y)
Fdic insurance
$142K
(5.97%↑ Y/Y)
Electronic banking expense
$129K
(4.88%↑ Y/Y)
Loan costs
$84K
(21.74%↑ Y/Y)
Net income
attributable to common...
$3,772K
(40.59%↑ Y/Y)
Less net income
attributable to...
$141K
(0.00%↑ Y/Y)
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UWHARRIE CAPITAL CORP (UWHR)
UWHARRIE CAPITAL CORP (UWHR)