W.T.B. Financial Corporation (WTBFB)

W.T.B. Financial 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	419.37	391.92	340.2	257.23	243.32	237.47
Interest Income on Investments	73.14	97.83	97.67	78.62	65.32	50
Total Interest Income	492.51	489.75	437.86	335.85	308.64	287.47
Interest Paid on Deposits	120.32	130.32	84.84	12.38	8.48	13.62
Interest Paid on Borrowings	35.27	79.5	67.93	0.35	1.1	1.59
Total Interest Expense	155.59	209.82	152.77	12.73	9.58	15.21
Net Interest Income	336.92	279.93	285.09	323.12	299.06	272.26
Net Interest Income Growth (YoY)	25.49%	-1.81%	-11.77%	8.05%	9.84%	6.74%
Trust Income	31.18	30.53	24.25	21.59	21.81	18.86
Mortgage Banking Activities	2.56	2.62	1.19	2.14	8.57	14.12
Gain (Loss) on Sale of Investments	-	-	-	-	-	3.89
Other Non-Interest Income	25.52	34.7	26.36	27.56	31.39	24.66
Total Non-Interest Income	65.98	74.04	57.24	58.18	67.85	67.37
Non-Interest Income Growth (YoY)	-8.87%	29.34%	-1.62%	-14.25%	0.71%	39.50%
Revenues Before Loan Losses	402.9	353.97	342.34	381.3	366.91	339.63
Provision for Loan Losses	-0.26	8.46	12.34	-20.5	9	33
Revenue	403.16	345.51	330	401.8	357.91	306.63
Revenue Growth (YoY)	22.56%	4.70%	-17.87%	12.26%	16.72%	2.16%
Salaries and Employee Benefits	173.27	160.13	149.32	149.59	137.94	124.98
Occupancy Expenses	12.35	13.38	13.98	12.57	11.96	11.04
Federal Deposit Insurance	7.09	7.09	6.89	4.33	5.78	2.77
Selling, General & Administrative	60.13	60.66	58	56.79	51.07	47.76
Other Non-Interest Expense	42.23	33.39	30.67	32.75	23.17	22.19
Total Non-Interest Expense	295.06	274.65	258.86	256.03	229.91	208.74
EBT Excluding Unusual Items	108.09	70.86	71.14	145.78	128	97.89
Pretax Income	108.09	70.86	71.14	145.78	128	97.89
Income Tax Expense	23.42	15.06	15.29	31.72	27.97	21.58
Net Income	84.67	55.8	55.85	114.05	100.03	76.31
Net Income to Common	84.67	55.8	55.85	114.05	100.03	76.31
Net Income Growth	85.34%	-0.10%	-51.03%	14.02%	31.08%	-8.37%
Basic Shares Outstanding	2	2	3	3	3	3
Diluted Shares Outstanding	2	2	3	3	3	3
Shares Change (YoY)	-1.14%	-0.24%	-0.52%	-0.77%	0.01%	-0.76%
EPS (Basic)	34.23	22.33	22.30	45.32	39.46	30.09
EPS (Diluted)	34.20	22.32	22.29	45.28	39.40	30.06
EPS Growth	87.42%	0.14%	-50.77%	14.92%	31.07%	-7.68%
Dividend Per Share	7.400	7.400	7.400	7.400	7.400	7.400
Dividend Growth	-	-	-	-	-	5.71%
Effective Tax Rate	21.67%	21.25%	21.49%	21.76%	21.85%	22.04%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.