| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Loans, including fees | 10,800 | 10,479 | ||
| Investment securities, taxable | 2,883 | 2,876 | ||
| Investment securities, non-taxable | 330 | 314 | ||
| Equity securities | 5 | 5 | ||
| Interest-earning deposits with banks and federal funds sold | 682 | 662 | ||
| Total interest income | 14,700 | 14,336 | ||
| Interest checking and money market accounts | 1,741 | 1,609 | ||
| Savings deposits | 158 | 138 | ||
| Time deposits, 250,000 and over | 1,335 | 1,217 | ||
| Other time deposits | 1,247 | 1,306 | ||
| Short-term borrowed funds | 1 | 11 | ||
| Long-term debt | 330 | 324 | ||
| Total interest expense | 4,812 | 4,605 | ||
| Net interest income | 9,888 | 9,731 | ||
| Loans | 192 | 242 | ||
| Securities held to maturity | -8 | -14 | ||
| Unfunded loan commitments | 8 | -26 | ||
| Total provision for (recovery of) credit losses | 176 | 254 | ||
| Net interest income after provision for (recovery of) credit losses | 9,712 | 9,477 | ||
| Service charges on deposit accounts | 280 | 263 | ||
| Other service fees and commissions | 1,002 | 989 | ||
| Interchange and card transaction fees, net | 252 | 308 | ||
| Realized/unrealized gain (loss) on equity securities | 7 | 14 | ||
| Income from mortgage banking | 927 | 1,027 | ||
| Supplemental executive retirement plan gain (loss) | 293 | 373 | ||
| Other income | 145 | 110 | ||
| Total noninterest income | 2,906 | 3,084 | ||
| Salaries and employee benefits | 5,581 | 5,711 | ||
| Net occupancy expense | 488 | 433 | ||
| Equipment expense | 195 | 207 | ||
| Data processing costs | 223 | 228 | ||
| Loan costs | 47 | 69 | ||
| Professional fees and services | 289 | 267 | ||
| Marketing and donations | 375 | 359 | ||
| Electronic banking expense | 137 | 123 | ||
| Software amortization and maintenance | 412 | 356 | ||
| Fdic insurance | 137 | 134 | ||
| Supplemental executive retirement plan gain (loss) | 293 | 373 | ||
| Other noninterest expense | 684 | 720 | ||
| Total noninterest expense | 8,861 | 8,980 | ||
| Income before income taxes | 3,757 | 3,581 | ||
| Income taxes | 867 | 757 | ||
| Net income (loss) | 2,890 | 2,824 | ||
| Less net income attributable to noncontrolling interest | 142 | 141 | ||
| Net income attributable to common shareholders | 2,748 | 2,683 | ||
| Earnings per share, basic, total | 0.38 | 0.38 | ||
| Earnings per share, diluted, total | 0.38 | 0.38 | ||
| Weighted average number of shares outstanding, basic, total | 7,216,259 | 7,047,162 | ||
| Weighted average number of shares outstanding, diluted, total | 7,216,259 | 7,047,162 | ||
UWHARRIE CAPITAL CORP (UWHR)
UWHARRIE CAPITAL CORP (UWHR)