Wilson Bank Holding Company (WBHC)

WBHC Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	281.48	250.46	198.98	138.43	119.11	113.84
Interest Income on Investments	35.51	33.65	23.6	19.12	10.73	9.13
Total Interest Income	316.99	284.12	222.58	157.54	129.84	122.97
Interest Paid on Deposits	131.59	126.74	83.58	16.05	11.5	17.25
Interest Paid on Borrowings	0.13	0.07	0.1	0.08	0.13	0.97
Total Interest Expense	131.72	126.81	83.68	16.13	11.64	18.22
Net Interest Income	185.28	157.31	138.9	141.41	118.21	104.75
Net Interest Income Growth (YoY)	23.27%	13.25%	-1.77%	19.63%	12.85%	9.77%
Mortgage Banking Activities	0.23	-0	0.01	-0.03	-	-
Gain (Loss) on Sale of Assets	-0.16	-0.3	-0.06	0.29	-0.04	-0.06
Gain (Loss) on Sale of Investments	-3.53	-2.74	-1.01	-1.62	0.03	0.88
Other Non-Interest Income	24.84	23.8	21.45	21.26	26.74	22.66
Total Non-Interest Income	29.7	28.95	28.29	27.28	32.85	29.8
Non-Interest Income Growth (YoY)	3.01%	2.35%	3.69%	-16.95%	10.25%	5.10%
Revenues Before Loan Losses	214.98	186.26	167.19	168.69	151.06	134.54
Provision for Loan Losses	7.47	4.6	3.31	7.64	1.41	9.96
Revenue	207.51	181.66	163.88	161.05	149.65	124.59
Revenue Growth (YoY)	18.22%	10.85%	1.76%	7.61%	20.11%	2.34%
Salaries and Employee Benefits	71.08	67.34	59.5	56.71	52.72	45.66
Occupancy Expenses	6.12	5.73	6.53	5.56	5.47	5.22
Federal Deposit Insurance	3.94	3.13	3.12	1.53	1.13	0.6
Selling, General & Administrative	21.07	18.39	18.24	16.25	13.81	12.4
Other Non-Interest Expense	14.56	12.26	12.03	11.06	10.93	11.43
Total Non-Interest Expense	118.33	108.42	100.95	92.97	85.49	76.48
EBT Excluding Unusual Items	89.18	73.24	62.93	68.08	64.16	48.11
Pretax Income	89.18	73.24	62.93	68.08	64.16	48.11
Income Tax Expense	20.79	16.58	13.94	15.06	14.73	9.62
Earnings From Continuing Operations	68.38	56.66	48.99	53.02	49.43	38.49
Minority Interest in Earnings	-0.07	-0.13	-0.05	0.02	-	-
Net Income	68.32	56.53	48.94	53.04	49.43	38.49
Net Income to Common	68.32	56.53	48.94	53.04	49.43	38.49
Net Income Growth	29.36%	15.51%	-7.74%	7.32%	28.41%	6.79%
Basic Shares Outstanding	12	12	12	11	11	11
Diluted Shares Outstanding	12	12	12	11	11	11
Shares Change (YoY)	1.95%	1.69%	2.04%	2.20%	1.91%	1.79%
EPS (Basic)	5.70	4.79	4.21	4.66	4.44	3.52
EPS (Diluted)	5.69	4.78	4.20	4.65	4.43	3.51
EPS Growth	27.26%	13.81%	-9.68%	4.97%	26.21%	4.78%
Dividend Per Share	2.000	2.000	1.500	1.500	1.500	1.200
Dividend Growth	166.67%	33.33%	-	-	25.00%	4.35%
Effective Tax Rate	23.32%	22.63%	22.15%	22.12%	22.96%	19.99%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.