For the quarter ending 2025-09-30, WNEB made $60,925K in revenue. $3,167K in net income. Net profit margin of 5.20%.
| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Residential and commercial real estate loans | 23,029 | 22,547 | ||
| Commercial and industrial loans | 3,593 | 3,596 | ||
| Consumer loans | 68 | 71 | ||
| Total interest income from loans | 26,690 | 26,214 | ||
| Investment securities, taxable | 2,616 | 2,587 | ||
| Investment securities, tax-exempt | - | 0 | ||
| Marketable equity securities | 1 | 1 | ||
| Total interest and dividend income from investment securities | 2,617 | 2,588 | ||
| Other investments | 166 | 169 | ||
| Short-term investments | 560 | 641 | ||
| Total interest income from cash and cash equivalents | 726 | 810 | ||
| Total interest and dividend income | 30,033 | 29,612 | ||
| Deposits | 10,403 | 10,437 | ||
| Short-term borrowings | 39 | 47 | ||
| Long-term debt | 1,245 | 1,232 | ||
| Subordinated debt | 254 | 254 | ||
| Total interest expense | 11,941 | 11,970 | ||
| Net interest and dividend income | 18,092 | 17,642 | ||
| Provision for credit losses | 1,293 | -615 | ||
| Net interest and dividend income after provision for credit losses | 16,799 | 18,257 | ||
| Gain on sale of mortgages | - | 4 | ||
| Service charges and fees | 2,552 | 2,528 | ||
| Loss on sale of premises and equipment | - | 0 | ||
| Income from bank-owned life insurance | 482 | 516 | ||
| Gain on non-marketable equity investments | - | 243 | ||
| Net unrealized gain on marketable equity securities | 22 | 25 | ||
| Other income | 117 | 95 | ||
| Total non-interest income | 3,173 | 3,411 | ||
| Salaries and employee benefits | 9,209 | 8,831 | ||
| Occupancy | 1,237 | 1,265 | ||
| Furniture and equipment | 453 | 491 | ||
| Data processing | 916 | 933 | ||
| Software | 652 | 645 | ||
| Debit card and atm processing expense | 633 | 674 | ||
| Professional fees | 460 | 623 | ||
| Fdic insurance assessment | 376 | 399 | ||
| Advertising | 433 | 443 | ||
| Other expenses | 1,409 | 1,352 | ||
| Total non-interest expense | 15,778 | 15,656 | ||
| Income before income taxes | 4,194 | 6,012 | ||
| Income tax provision | 1,027 | 1,422 | ||
| Net income | 3,167 | 4,590 | ||
| Basic earnings per share | 0.16 | 0.23 | ||
| Diluted earnings per share | 0.16 | 0.23 | ||
| Weighted average basic shares outstanding | 20,110,492 | 20,210,650 | ||
| Weighted average diluted shares outstanding | 20,240,975 | 20,312,881 | ||
Western New England Bancorp, Inc. (WNEB)
Western New England Bancorp, Inc. (WNEB)