| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net earnings | 22,261 | 22,321 | 17,871 | 35,532 |
| Provision for credit losses | 2,685 | 1,060 | 1,400 | 4,470 |
| Deferred income tax benefit | -601 | 1,021 | -410 | -1,022 |
| Depreciation and amortization of premises and equipment | 1,044 | 1,031 | 1,046 | 2,200 |
| Loss on sale of fixed assets | -3 | -62 | -57 | -12 |
| Net amortization (accretion) of securities | 114 | -480 | NaN | NaN |
| Right of use asset amortization | NaN | 99 | 106 | 227 |
| Amortization of premium on loans | NaN | 0 | 0 | 68 |
| Net amortization of securities | NaN | NaN | -108 | -385 |
| Net realized gain on sale of securities | 0 | 0 | -2,526 | 11 |
| Gain on sale of loans | 726 | 403 | 371 | 1,562 |
| Share-based compensation expense | 387 | 310 | -57 | 834 |
| Loss (gain) on sale of other assets | -2 | 0 | 0 | -2 |
| Loss on sale of investment in joint venture | NaN | 0 | 0 | -4 |
| Premium on credit card portfolio sale | 1,127 | NaN | NaN | NaN |
| Increase in value of life insurance and annuity contracts | NaN | 465 | 595 | 1,197 |
| Income on boli and annuity contracts | 685 | NaN | NaN | NaN |
| Mortgage loans originated for resale | 21,728 | 18,000 | 18,481 | 36,029 |
| Proceeds from sale of mortgage loans | 22,333 | 20,287 | 19,701 | 35,026 |
| Right of use assets obtained for lease liabilities | 0 | NaN | NaN | NaN |
| Gain on lease modification | 0 | 0 | 0 | 52 |
| Amortization of core deposit intangibles | 11 | 0 | 0 | 34 |
| Accretion of premium on time deposits | NaN | 0 | 0 | 49 |
| Amortization of mortgage servicing rights | 103 | 97 | 27 | 213 |
| Accrued interest receivable | 20 | 1,094 | -941 | 1,920 |
| Other assets | 3,425 | 439 | -2,165 | 2,664 |
| Accrued interest payable | -2,626 | 1,954 | -291 | 262 |
| Other liabilities | 7,862 | -8,424 | 2,395 | 7,648 |
| Total adjustments | 3,378 | -2,917 | 10,267 | 6,879 |
| Net cash provided by operating activities | 25,639 | 19,404 | 28,138 | 42,411 |
| Purchases | 105,953 | 83,993 | 71,311 | 85,607 |
| Sales | 0 | 0 | 58,048 | 17,880 |
| Maturities, prepayments and calls | 25,036 | 16,365 | 24,857 | 26,919 |
| Purchases of restricted equity securities | 51 | 0 | 0 | 409 |
| Proceeds from sale of credit card portfolio | 7,803 | NaN | NaN | NaN |
| Cash received from sale of investment in joint venture | NaN | NaN | 0 | 40 |
| Net increase in loans | 49,786 | -16,507 | 81,014 | 181,936 |
| Purchase of buildings, leasehold improvements, and equipment | 1,267 | 1,018 | 716 | 1,965 |
| Proceeds from sale of premises and equipment | 0 | -22 | 16 | 42 |
| Proceeds from sale of other assets | 0 | 0 | 0 | 55 |
| Purchase of life insurance and annuity contracts | 0 | 0 | 0 | 12,179 |
| Redemption of annuity contracts | 353 | 10 | 60 | 454 |
| Decrease in cash from sale of joint venture | NaN | 228 | NaN | NaN |
| Cash received from acquisition, net | NaN | 0 | 0 | 8,132 |
| Sale of subsidiary interest | NaN | NaN | 0 | 228 |
| Net cash used in investing activities | -123,865 | -52,419 | -70,060 | -228,574 |
| Net change in deposits - non-maturing | 62,494 | 20,646 | 112,820 | 173,784 |
| Net change in deposits - time | 30,794 | 2,388 | 68,705 | 10,543 |
| Change in escrow balances | 784 | -2,451 | -1,004 | 3,181 |
| Repayment of finance lease obligation | 36 | 22 | 20 | 39 |
| Issuance of common stock related to exercise of stock options | 101 | 590 | -18 | 82 |
| Forfeiture of performance stock units | NaN | 0 | 2 | NaN |
| Forfeiture of restricted stock units | NaN | 0 | 3 | NaN |
| Issuance of common stock pursuant to dividend reinvestment plan | NaN | NaN | NaN | 8,466 |
| Repurchase of common stock | 28 | 0 | 0 | 0 |
| Cash dividends paid on common stock | 5,592 | 0 | -3,576 | 11,902 |
| Net cash provided by financing activities | 88,517 | 21,379 | 175,598 | 183,887 |
| Net change in cash and cash equivalents | -9,709 | -11,636 | 133,676 | -2,276 |
| Cash and cash equivalents - beginning of period | 367,353 | 378,989 | 247,589 | NaN |
| Cash and cash equivalents - end of period | 357,644 | 367,353 | 378,989 | NaN |
WILSON BANK HOLDING CO (WBHC)
WILSON BANK HOLDING CO (WBHC)