Financial insights of WNEB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Residential and commercial real estate loans	91,249
Commercial and industrial loans	13,850
Consumer loans	280
Total interest income from loans	105,379
Investment securities, taxable	10,195
Marketable equity securities	20
Total interest and dividend income from investment securities	10,215
Other investments	690
Short-term investments	2,335
Total interest income from cash and cash equivalents	3,025
Total interest and dividend income	118,619
Deposits	42,512
Short-term borrowings	225
Long-term debt	4,769
Subordinated debt	1,016
Total interest expense	48,522
Net interest and dividend income	70,097
Provision for (reversal of) credit losses	335
Net interest and dividend income after provision for (reversal of) credit losses	69,762
Service charges and fees	9,917
Income from bank-owned life insurance	1,963
Gain on sale of mortgages	11
Net unrealized gain (loss) on marketable equity securities	35
Gain on non-marketable equity investments	243
Other income	347
Total non-interest income	12,516
Salaries and employee benefits	35,826
Occupancy	5,226
Furniture and equipment	1,868
Data processing	3,630
Software	2,643
Debit card and atm processing expense	2,483
Professional fees	2,017
Fdic insurance assessment	1,604
Advertising	1,654
Other expenses	5,537
Total non-interest expense	62,488
Income before income taxes	19,790
Income tax provision	4,521
Net income	15,269

Basic EPS	0.76
Diluted EPS	0.75
Basic Average Shares	20,194,877
Diluted Average Shares	20,321,755