Financial insights of WSBK

MyFinsight

For the quarter ending 2025-12-31, WSBK made $23,854K in revenue. $1,074K in net income. Net profit margin of 4.50%.

Income Overview

Revenue
$23,854K
Net Income
$1,074K
Net Profit Margin
4.50%
EPS
$0.12
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

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

Income Statement	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans	10,702	10,402	9,382
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	10,678
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	4,695
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

Earnings per share, basic	0.12	0.11	-0.023
Earnings per share, diluted	0.12	0.11	-0.023
Weighted average number of shares outstanding, basic	8,969,031	8,964,893	2,311,892.75
Weighted average number of shares outstanding, diluted	8,969,031	8,964,893	2,311,892.75

MyFinsight

Income Overview

Revenue
$23,854K
Net Income
$1,074K
Net Profit Margin
4.50%
EPS
$0.12
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

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

Income Statement

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Income Overview

Revenue
$23,854K
Net Income
$1,074K
Net Profit Margin
4.50%
EPS
$0.12
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$23,854KNet Income$1,074KNet Profit Margin4.50%EPS$0.12Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$23,854KNet Income$1,074KNet Profit Margin4.50%EPS$0.12Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Revenue
$23,854K
Net Income
$1,074K
Net Profit Margin
4.50%
EPS
$0.12
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Revenue
$23,854K
Net Income
$1,074K
Net Profit Margin
4.50%
EPS
$0.12
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others