Financial insights of WSBCO

MyFinsight

For the year ending 2025-12-31.

Income Overview

Net Income
$202,564K
EPS
$2.23
Unit: Thousand (K) dollars

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

Income Statement	2025-12-31
Loans, including fees	1,097,203
Taxable	116,342
Tax-exempt	18,702
Total interest and dividends on securities	135,044
Other interest income	39,693
Total interest and dividend income	1,271,940
Interest bearing demand deposits	120,953
Money market deposits	131,839
Savings deposits	35,176
Certificates of deposit	87,788
Total interest expense on deposits	375,756
Federal home loan bank borrowings	58,434
Other short-term borrowings	3,433
Subordinated debt and junior subordinated debt	20,017
Total interest expense	457,640
Net interest income	814,300
Provision for credit losses	77,242
Net interest income after provision for credit losses	737,058
Trust fees	37,087
Service charges on deposits	41,392
Digital banking income	26,475
Net swap fee and valuation income	8,896
Net securities brokerage revenue	11,846
Bank-owned life insurance	15,101
Mortgage banking income	6,194
Net securities gains	3,379
Net (losses)/gains on other real estate owned and other assets	-424
Other income	16,809
Total non-interest income	166,755
Salaries and wages	230,977
Employee benefits	67,015
Net occupancy	33,237
Equipment and software	62,612
Marketing	9,861
Fdic insurance	20,897
Amortization of intangible assets	29,070
Restructuring and merger-related expense	75,933
Franchise and other miscellaneous taxes	19,151
Professional fees	26,047
Card processing expenses	6,924
Communications	5,917
Other real estate owned and foreclosure expenses	434
Postage, supplies and other	36,500
Other operating expenses	94,973
Total non-interest expense	624,575
Income before provision for income taxes	279,238
Provision for income taxes	56,133
Net income	223,105
Preferred stock dividends	20,541
Net income available to common shareholders	202,564

Earnings per share, basic	2.23
Earnings per share, diluted	2.23
Weighted average number of shares outstanding, basic	90,896,991
Weighted average number of shares outstanding, diluted	91,034,094

MyFinsight

Income Overview

Net Income
$202,564K
EPS
$2.23
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

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Income Overview

Net Income
$202,564K
EPS
$2.23
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Net Income$202,564KEPS$2.23Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$202,564KEPS$2.23Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$202,564K
EPS
$2.23
Unit: Thousand (K) dollars

Net Income
$202,564K
EPS
$2.23
Unit: Thousand (K) dollars