W.T.B. Financial Corporation (WTBFB)

W.T.B. Financial Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	429.98	391.92	340.2	257.23	243.32
Interest Income on Investments	67.84	97.83	97.67	78.62	65.32
Total Interest Income	497.83	489.75	437.86	335.85	308.64
Interest Paid on Deposits	113.57	130.32	84.84	12.38	8.48
Interest Paid on Borrowings	28.22	79.5	67.93	0.35	1.1
Total Interest Expense	141.79	209.82	152.77	12.73	9.58
Net Interest Income	356.04	279.93	285.09	323.12	299.06
Net Interest Income Growth (YoY)	27.19%	-1.81%	-11.77%	8.05%	9.84%
Trust Income	35.99	30.53	24.25	21.59	21.81
Mortgage Banking Activities	2.71	2.62	1.19	2.14	8.57
Other Non-Interest Income	20.92	34.7	26.36	27.56	31.39
Total Non-Interest Income	66.39	74.04	57.24	58.18	67.85
Non-Interest Income Growth (YoY)	-10.33%	29.34%	-1.62%	-14.25%	0.71%
Revenues Before Loan Losses	422.42	353.97	342.34	381.3	366.91
Provision for Loan Losses	-2.06	8.46	12.34	-20.5	9
Revenue	424.48	345.51	330	401.8	357.91
Revenue Growth (YoY)	22.86%	4.70%	-17.87%	12.26%	16.72%
Salaries and Employee Benefits	183.31	160.13	149.32	149.59	137.94
Occupancy Expenses	24.9	13.38	13.98	12.57	11.96
Federal Deposit Insurance	-	7.09	6.89	4.33	5.78
Selling, General & Administrative	6.2	60.66	58	56.79	51.07
Other Non-Interest Expense	89.78	33.39	30.67	32.75	23.17
Total Non-Interest Expense	304.19	274.65	258.86	256.03	229.91
EBT Excluding Unusual Items	120.29	70.86	71.14	145.78	128
Pretax Income	120.29	70.86	71.14	145.78	128
Income Tax Expense	26.56	15.06	15.29	31.72	27.97
Net Income	93.74	55.8	55.85	114.05	100.03
Net Income to Common	93.74	55.8	55.85	114.05	100.03
Net Income Growth	68.00%	-0.10%	-51.03%	14.02%	31.08%
Basic Shares Outstanding	2	2	3	3	3
Diluted Shares Outstanding	2	2	3	3	3
Shares Change (YoY)	-1.47%	-0.24%	-0.52%	-0.77%	0.01%
EPS (Basic)	38.10	22.33	22.30	45.32	39.46
EPS (Diluted)	38.06	22.32	22.29	45.28	39.40
EPS Growth	70.52%	0.14%	-50.77%	14.92%	31.07%
Dividend Per Share	7.400	7.400	7.400	7.400	7.400
Effective Tax Rate	22.07%	21.25%	21.49%	21.76%	21.85%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.