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Income Overview
Net Income
$3,598K
EPS
$0.18
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Commercial real estate loans
13,690
13,640
-
-
Residential and commercial real estate loans
-
-
22,887*
23,029
Residential real estate loans
10,605
10,407
-
-
Commercial and industrial loans
3,609
3,333
3,067*
3,593
Consumer loans
56
60
72*
68
Total interest income from loans
27,960
27,440
26,025*
26,690
Investment securities, taxable
2,456
2,498
2,391*
2,616
Marketable equity securities
1
7
17*
1
Total interest and dividend income from investment securities
2,457
2,505
2,408*
2,617
Other investments
156
147
188*
166
Short-term investments
208
189
534*
560
Total interest income from cash and cash equivalents
364
336
721*
726
Total interest and dividend income
30,781
30,281
29,153*
30,033
Deposits
10,358
9,978
11,253*
10,403
Short-term borrowings
236
322
96*
39
Long-term debt
515
902
1,054*
1,245
Subordinated debt
351
254
254*
254
Total interest expense
11,460
11,456
12,656*
11,941
Net interest and dividend income
19,321
18,825
16,497*
18,092
Provision for (reversal of) credit gaines
1,557
75
-682*
1,293
Net interest and dividend income after provision for (reversal of) credit losses
17,764
18,750
17,179*
16,799
Service charges and fees
2,422
2,131
2,701*
2,552
Wealth management income
389
390
-
-
Income from bank-owned life insurance
535
476
466*
482
Loss on sale of mortgages
-
-
-1*
-
Gain on bank-owned life insurance death benefits
-
449
-
-
Net unrealized loss on marketable equity securities
47
-13
-35*
22
Loss on non-marketable equity investments
-
-
-486*
-
Other income
-
-
-4*
117
Gain on bank-owned life insurance death benefits
1
-
-
-
Total non-interest income
3,394
3,433
2,640*
3,173
Salaries and employee benefits
9,476
9,229
8,766*
9,209
Occupancy
1,319
1,562
1,473*
1,237
Furniture and equipment
404
433
452*
453
Data processing
961
821
857*
916
Software
712
689
698*
652
Debit card and atm processing expense
644
663
523*
633
Professional fees
622
509
393*
460
Fdic insurance assessment
377
392
442*
376
Advertising
457
442
340*
433
Other non-interest expenses
1,383
1,268
1,396*
1,409
Total non-interest expense
16,355
16,008
15,337*
15,778
Income before income taxes
4,803
6,175
4,482*
4,194
Income tax provision
1,205
1,398
848*
1,027
Net income
3,598
4,777
3,634
3,167
Basic EPS
0.18
0.24
0.179
0.16
Diluted EPS
0.18
0.24
0.178
0.16
Basic Average Shares
19,781,515
19,996,682
20,263,489
20,110,492
Diluted Average Shares
19,894,399
20,065,067
20,411,409
20,240,975
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Commercial real estate
loans
$13,690K
Residential real estate
loans
$10,605K
Commercial and industrial
loans
$3,609K
(0.36%↑ Y/Y)
Consumer loans
$56K
(-21.13%↓ Y/Y)
Investment securities,
taxable
$2,456K
(-5.06%↓ Y/Y)
Marketable equity
securities
$1K
(0.00%↑ Y/Y)
Short-term investments
$208K
(-67.55%↓ Y/Y)
Other investments
$156K
(-7.69%↓ Y/Y)
Total interest income
from loans
$27,960K
(6.66%↑ Y/Y)
Total interest and
dividend income from...
$2,457K
(-5.06%↓ Y/Y)
Total interest income
from cash and cash...
$364K
(-55.06%↓ Y/Y)
Total interest and
dividend income
$30,781K
(3.95%↑ Y/Y)
Net interest and
dividend income
$19,321K
(9.52%↑ Y/Y)
Service charges and fees
$2,422K
(-4.19%↓ Y/Y)
Income from bank-owned
life insurance
$535K
(3.68%↑ Y/Y)
Wealth management
income
$389K
Net unrealized loss
on marketable...
$47K
(88.00%↑ Y/Y)
Gain on bank-owned
life insurance death...
$1K
Total interest
expense
$11,460K
(-4.26%↓ Y/Y)
Net interest and
dividend income after...
$17,764K
(-2.70%↓ Y/Y)
Total non-interest
income
$3,394K
(-0.50%↓ Y/Y)
Provision for (reversal
of) credit gaines
$1,557K
(353.17%↑ Y/Y)
Deposits
$10,358K
(-0.76%↓ Y/Y)
Long-term debt
$515K
(-58.20%↓ Y/Y)
Subordinated debt
$351K
(38.19%↑ Y/Y)
Short-term borrowings
$236K
(402.13%↑ Y/Y)
Income before income
taxes
$4,803K
(-20.11%↓ Y/Y)
Total non-interest
expense
$16,355K
(4.46%↑ Y/Y)
Net income
$3,598K
(-21.61%↓ Y/Y)
Income tax provision
$1,205K
(-15.26%↓ Y/Y)
Salaries and employee
benefits
$9,476K
(7.30%↑ Y/Y)
Other non-interest
expenses
$1,383K
(2.29%↑ Y/Y)
Occupancy
$1,319K
(4.27%↑ Y/Y)
Data processing
$961K
(3.00%↑ Y/Y)
Software
$712K
(10.39%↑ Y/Y)
Debit card and atm
processing expense
$644K
(-4.45%↓ Y/Y)
Professional fees
$622K
(-0.16%↓ Y/Y)
Advertising
$457K
(3.16%↑ Y/Y)
Furniture and equipment
$404K
(-17.72%↓ Y/Y)
Fdic insurance
assessment
$377K
(-5.51%↓ Y/Y)
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Western New England Bancorp, Inc. (WNEB)
Western New England Bancorp, Inc. (WNEB)