For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Revenue from contract with customer | - | 7,211 | ||
| Other income | - | 1,269 | ||
| Securities gains (losses), net | - | -1,172 | ||
| Increase in cash value of bank-owned life insurance | - | 1,126 | ||
| Total noninterest income | - | 8,434 | ||
| Long-term debt | - | 2,428 | ||
| Federal home loan bank advances | - | 10,313 | ||
| Subordinated notes | - | 4,431 | ||
| Federal funds purchased and other short-term borrowings | - | 4,248 | ||
| Deposits | - | 97,284 | ||
| Interest expense | - | 118,704 | ||
| Interest-bearing deposits | - | 7,595 | ||
| Tax-exempt | - | 3,219 | ||
| Taxable | - | 13,030 | ||
| Loans, including fees | - | 166,222 | ||
| Total interest income | - | 190,066 | ||
| Net interest income | - | 71,362 | ||
| Credit loss expense (benefit) | - | 1,000 | ||
| Net interest income after credit loss expense (benefit) | - | 70,362 | ||
| Other expenses | - | 6,129 | ||
| Director fees | - | 828 | ||
| Professional fees | - | 1,041 | ||
| Fdic insurance | - | 2,560 | ||
| Technology and software | - | 2,896 | ||
| Data processing | - | 2,991 | ||
| Occupancy and equipment | - | 7,320 | ||
| Salaries and employee benefits | - | 27,588 | ||
| Total noninterest expense | - | 51,353 | ||
| Income before income taxes | - | 27,443 | ||
| Operating income (loss) | 37,858 | - | ||
| Operating expenses | 6,903 | - | ||
| Income before income taxes | 30,955 | - | ||
| Income taxes | -1,605 | 3,393 | ||
| Net income | 32,560 | 24,050 | ||
| Basic EPS | 1.92 | 1.43 | ||
| Diluted EPS | 1.92 | 1.42 | ||
| Basic Average Shares | 16,915,000 | 16,806,000 | ||
| Diluted Average Shares | 17,002,000 | 16,895,000 | ||
WTBA
WTBA