WILSON BANK HOLDING CO (WBHC)
2025-06-30 | 2024-09-30 | |||
|---|---|---|---|---|
| Debit and credit card interchange income, net | 2,491 | 2,014 | ||
| Other income | 2 | 84 | ||
| Gain on sale of loans | 831 | 637 | ||
| Loss on sale of other assets | -4 | -1 | ||
| Loss on sale of fixed assets | -6 | -11 | ||
| Gain (loss) on sale of securities, net | -2 | -1,414 | ||
| Brokerage income | 2,456 | 2,107 | ||
| Income on boli and annuity contracts | 594 | 466 | ||
| Mortgage servicing income (loss), net | -5 | -2 | ||
| Loss on sale of investment in joint venture | -4 | - | ||
| Other fees and commissions | 396 | 386 | ||
| Service charges on deposit accounts | 2,193 | 2,116 | ||
| Total non-interest income | 8,942 | 6,382 | ||
| Audit, legal & consulting expenses | 574 | 438 | ||
| Other operating expenses | 3,780 | 3,209 | ||
| Occupancy expenses, net | 1,542 | 1,503 | ||
| Directors fees | 186 | 183 | ||
| Advertising & public relations expense | 1,103 | 872 | ||
| Salaries and employee benefits | 18,511 | 17,889 | ||
| Data processing expense | 2,852 | 2,432 | ||
| Fdic insurance | 1,025 | 721 | ||
| Furniture and equipment expense | 749 | 774 | ||
| Total non-interest expense | 30,322 | 28,021 | ||
| Provision for credit losses - loans | 2,507 | 3,563 | ||
| Provision for credit losses - off-balance sheet exposures | 123 | -563 | ||
| Interest on time deposits | 19,162 | 20,277 | ||
| Interest on negotiable order of withdrawal accounts | 1,971 | 2,100 | ||
| Interest on federal funds purchased | - | - | ||
| Interest on finance leases | 41 | 17 | ||
| Interest on money market and savings accounts | 10,982 | 10,405 | ||
| Total interest expense | 32,156 | 32,799 | ||
| Exempt from federal income taxes | 277 | 352 | ||
| Taxable securities | 5,980 | 5,493 | ||
| Interest on federal funds sold | 107 | 127 | ||
| Interest on balances held at depository institutions | 2,739 | 2,281 | ||
| Interest and fees on loans | 71,863 | 65,400 | ||
| Interest on loans held for sale | 45 | 49 | ||
| Interest and dividends on restricted securities | 83 | 112 | ||
| Total interest income | 81,094 | 73,814 | ||
| Net interest income before provision for credit losses | 48,938 | 41,015 | ||
| Net interest income after provision for credit losses | 46,308 | 38,015 | ||
| Earnings before income taxes | 24,928 | 16,376 | ||
| Income taxes | 5,793 | 3,665 | ||
| Net earnings | 19,135 | 12,711 | ||
| Net earnings attributable to noncontrolling interest | 20 | 25 | ||
| Net earnings attributable to wilson bank holding company | 19,115 | 12,686 | ||
| Basic earnings per common share | 1.59 | 1.07 | ||
| Diluted earnings per common share | 1.59 | 1.07 | ||
| Weighted average diluted common shares outstanding | 12,034,954 | 11,867,581 | ||
| Weighted average number of common shares outstanding-basic (in shares) | 11,996,239 | 11,834,944 | ||