Financial insights of WSBCO

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$84,395K
EPS
$0.88
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31
Loans, including fees	280,989	274,301*
Taxable	31,443	29,086*
Tax-exempt	4,824	4,676*
Total interest and dividends on securities	36,267	33,761*
Other interest income	8,368	9,923*
Total interest and dividend income	325,624	317,985*
Interest bearing demand deposits	29,368	30,238*
Money market deposits	32,151	32,960*
Savings deposits	10,119	8,794*
Certificates of deposit	22,591	21,947*
Total interest expense on deposits	94,229	93,939*
Federal home loan bank borrowings	11,316	14,609*
Other short-term borrowings	598	858*
Subordinated debt and junior subordinated debt	4,080	5,004*
Total interest expense	110,223	114,410*
Net interest income	215,401	203,575*
Provision for credit losses	-897	19,311*
Net interest income after provision for credit losses	216,298	184,264*
Trust fees	10,442	9,272*
Service charges on deposits	10,961	10,348*
Digital banking income	6,599	6,619*
Net swap fee and valuation income	1,062	2,224*
Net securities brokerage revenue	3,472	2,962*
Bank-owned life insurance	3,811	3,775*
Mortgage banking income	919	1,549*
Net securities losses	-13	845*
Net gain (loss) on other real estate owned and other assets	546	-106*
Other income	4,032	4,202*
Total non-interest income	41,831	41,689*
Salaries and wages	63,964	57,745*
Employee benefits	17,611	16,754*
Net occupancy	8,529	8,309*
Equipment and software	15,678	15,653*
Marketing	1,526	2,465*
Fdic insurance	4,784	5,224*
Amortization of intangible assets	7,160	7,268*
Restructuring and merger-related expense	3,713	18,983*
Franchise and other miscellaneous taxes	-	4,788*
Professional fees	-	6,512*
Card processing expenses	-	1,731*
Communications	-	1,479*
Other real estate owned and foreclosure expenses	-	109*
Postage, supplies and other	-	9,125*
Other operating expenses	23,740	23,743*
Total non-interest expense	146,705	156,144*
Income (loss) before provision for income taxes	111,424	69,809*
Provision (benefit) for income taxes	22,789	14,033*
Net income (loss)	88,635	55,776*
Preferred stock dividends	4,240	5,135*
Net income (loss) available to common shareholders	84,395	50,641

Basic EPS	0.88	0.557
Diluted EPS	0.88	0.556
Basic Average Shares	96,103,497	90,896,991
Diluted Average Shares	96,309,352	91,034,094

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$84,395K
EPS
$0.88
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income
$84,395K
EPS
$0.88
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$84,395KEPS$0.88Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$84,395KEPS$0.88Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$84,395K
EPS
$0.88
Unit: Thousand (K) dollars

Net Income
$84,395K
EPS
$0.88
Unit: Thousand (K) dollars