Financial insights of WBHC

MyFinsight

For the quarter ending 2025-09-30, WBHC made $155,911K in revenue. $17,871K in net income. Net profit margin of 11.46%.

Income Overview

Revenue
$155,911K
Net Income
$17,871K
Net Profit Margin
11.46%
EPS
$1.47
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on time deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2024-12-31	2024-09-30
Interest and fees on loans	73,141	71,863	-	65,400
Taxable securities	6,362	5,980	-	5,493
Exempt from federal income taxes	270	277	-	352
Interest on loans held for sale	43	45	-	49
Interest on federal funds sold	107	107	-	127
Interest on balances held at depository institutions	2,964	2,739	-	2,281
Interest and dividends on restricted securities	93	83	-	112
Total interest income	82,980	81,094	-	73,814
Interest on negotiable order of withdrawal accounts	1,824	1,971	-	2,100
Interest on money market and savings accounts	12,555	10,982	-	10,405
Interest on time deposits	19,074	19,162	-	20,277
Interest on federal funds purchased	0	0	-	-
Interest on finance leases	40	41	-	17
Total interest expense	33,493	32,156	-	32,799
Net interest income before provision for credit losses	49,487	48,938	-	41,015
Provision for credit losses - loans	1,373	2,507	-	3,563
Provision for credit losses - off-balance sheet exposures	27	123	-	-563
Net interest income after provision for credit losses	48,087	46,308	-	38,015
Service charges on deposit accounts	2,296	2,193	-	2,116
Brokerage income	2,570	2,456	-	2,107
Debit and credit card interchange income, net	1,933	2,491	-	2,014
Other fees and commissions	429	396	-	386
Income on boli and annuity contracts	595	594	-	466
Gain on sale of loans	371	831	-	637
Mortgage servicing income (loss)	233	-5	-	-2
Loss on sale of fixed assets	-57	-6	-	-11
Loss on sale of securities, net	-2,526	-2	-	-1,414
Loss on sale of other assets	0	-4	-	-1
Loss on sale of investment in joint venture	0	-4	-	-
Other income	118	2	-	84
Total non-interest income	5,962	8,942	-	6,382
Salaries and employee benefits	18,696	18,511	-	17,889
Occupancy expenses, net	1,643	1,542	-	1,503
Advertising & public relations expense	1,342	1,103	-	872
Furniture and equipment expense	703	749	-	774
Data processing expense	2,953	2,852	-	2,432
Directors fees	185	186	-	183
Fdic insurance	1,000	1,025	-	721
Audit, legal & consulting expenses	401	574	-	438
Other operating expenses	3,970	3,780	-	3,209
Total non-interest expense	30,893	30,322	-	28,021
Earnings before income taxes	23,156	24,928	-	16,376
Income taxes	5,285	5,793	-	3,665
Net earnings	17,871	19,135	14,651	12,711
Net earnings attributable to noncontrolling interest	0	20	36	25
Net earnings attributable to wilson bank holding company	17,871	19,115	14,615	12,686

Basic earnings per common share (in dollars per share)	1.48	1.59	1.24	1.07
Diluted earnings per common share	1.47	1.59	1.237	1.07
Weighted average diluted common shares outstanding	12,137,713	12,034,954	-9,664	11,867,581
Weighted average number of common shares outstanding-basic (in shares)	12,098,160	11,996,239	-9,374	11,834,944

MyFinsight

Income Overview

Revenue
$155,911K
Net Income
$17,871K
Net Profit Margin
11.46%
EPS
$1.47
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on time deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$155,911K
Net Income
$17,871K
Net Profit Margin
11.46%
EPS
$1.47
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on time deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$155,911KNet Income$17,871KNet Profit Margin11.46%EPS$1.47Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on time depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$155,911KNet Income$17,871KNet Profit Margin11.46%EPS$1.47Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on time depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$155,911K
Net Income
$17,871K
Net Profit Margin
11.46%
EPS
$1.47
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on time deposits
Salaries and employee benefits
Others

Revenue
$155,911K
Net Income
$17,871K
Net Profit Margin
11.46%
EPS
$1.47
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on time deposits
Salaries and employee benefits
Others