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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Net Income
$1,074K
EPS
$0.12
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-12-31
2025-09-30
2025-06-30
Interest and fees on loans
10,702
10,402
9,383*
Interest and dividends on securities
1,167
1,113
782*
Interest on federal funds sold and other interest-bearing deposits
545
422
514*
Total interest and dividend income
12,414
11,937
10,679*
Interest on deposits
4,876
4,670
4,779*
Interest on federal home loan bank advances
1,475
1,526
1,519*
Total interest expense
6,351
6,196
6,298*
Net interest income
6,063
5,741
4,381*
Provision for credit losses
388
-320
517*
Net interest income, after provision for credit losses
5,675
6,061
3,864*
Customer service fees
191
191
182*
Income on bank owned life insurance
119
119
117*
Loss on available for sale securities, net
0
-
-
Gain on marketable equity securities, net
0
0
94*
Loss on sale of securities available for sale
-
317
-
Gain on sale of loans
8
-
-
Miscellaneous
64
59
56*
Total non-interest income
382
52
448*
Salaries and employee benefits
2,621
2,697
2,422*
Occupancy and equipment, net
513
396
395*
Data processing
381
408
342*
Deposit insurance
160
210
212*
Marketing and advertising
144
184
116*
Net periodic pension and post retirement benefit, less service costs
0
-
-18*
Other general and administrative
888
900
1,227*
Total non-interest expense
4,707
4,795
4,694*
Income (loss) before income taxes
1,350
1,318
-382*
Provision (benefit) for income taxes
276
356
-164*
Net income (loss)
1,074
962
-218
Basic EPS
0.12
0.11
-0.024
Diluted EPS
0.12
0.11
-0.024
Basic Average Shares
8,969,031
8,964,893
9,247,571
Diluted Average Shares
8,969,031
8,964,893
9,247,571
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
Interest and fees on loans
$10,702K
Interest and dividends on
securities
$1,167K
Interest on federal funds
sold and other...
$545K
Total interest and
dividend income
$12,414K
Net interest income
$6,063K
Customer service fees
$191K
Income on bank owned
life insurance
$119K
Miscellaneous
$64K
Gain on sale of loans
$8K
Total interest
expense
$6,351K
Net interest
income, after provision...
$5,675K
Total non-interest
income
$382K
Provision for credit
losses
$388K
Interest on deposits
$4,876K
Interest on federal home
loan bank advances
$1,475K
Income (loss) before
income taxes
$1,350K
Total non-interest
expense
$4,707K
Net income (loss)
$1,074K
Provision (benefit) for
income taxes
$276K
Salaries and employee
benefits
$2,621K
Other general and
administrative
$888K
Occupancy and equipment,
net
$513K
Data processing
$381K
Deposit insurance
$160K
Marketing and advertising
$144K
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Winchester Bancorp, Inc. MD (WSBK)
Winchester Bancorp, Inc. MD (WSBK)