Financial insights of WSBK

MyFinsight

For the quarter ending 2025-12-31.

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

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