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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	436.58	429.98	391.92	340.2	257.23	243.32
Interest Income on Investments	65.78	67.84	97.83	97.67	78.62	65.32
Total Interest Income	502.35	497.83	489.75	437.86	335.85	308.64
Interest Paid on Deposits	106.76	113.57	130.32	84.84	12.38	8.48
Interest Paid on Borrowings	23.36	28.22	79.5	67.93	0.35	1.1
Total Interest Expense	130.11	141.79	209.82	152.77	12.73	9.58
Net Interest Income	372.24	356.04	279.93	285.09	323.12	299.06
Net Interest Income Growth (YoY)	27.09%	27.19%	-1.81%	-11.77%	8.05%	9.84%
Trust Income	32.22	31.39	30.53	24.25	21.59	21.81
Mortgage Banking Activities	3.22	2.71	2.62	1.19	2.14	8.57
Other Non-Interest Income	26.24	25.52	34.7	26.36	27.56	31.39
Total Non-Interest Income	68.62	66.39	74.04	57.24	58.18	67.85
Non-Interest Income Growth (YoY)	-8.69%	-10.33%	29.34%	-1.62%	-14.25%	0.71%
Revenues Before Loan Losses	440.86	422.42	353.97	342.34	381.3	366.91
Provision for Loan Losses	-7.03	-2.06	8.46	12.34	-20.5	9
Revenue	447.88	424.48	345.51	330	401.8	357.91
Revenue Growth (YoY)	24.85%	22.86%	4.70%	-17.87%	12.26%	16.72%
Salaries and Employee Benefits	179.4	175.88	160.13	149.32	149.59	137.94
Occupancy Expenses	13.97	13.85	13.38	13.98	12.57	11.96
Federal Deposit Insurance	-	-	-	-	4.33	5.78
Selling, General & Administrative	67.03	67.18	60.66	58	56.79	51.07
Other Non-Interest Expense	47.63	47.27	40.48	37.56	32.75	23.17
Total Non-Interest Expense	308.03	304.19	274.65	258.86	256.03	229.91
EBT Excluding Unusual Items	139.85	120.29	70.86	71.14	145.78	128
Pretax Income	139.85	120.29	70.86	71.14	145.78	128
Income Tax Expense	30.94	26.56	15.06	15.29	31.72	27.97
Net Income	108.91	93.74	55.8	55.85	114.05	100.03
Net Income to Common	108.91	93.74	55.8	55.85	114.05	100.03
Net Income Growth	77.16%	68.00%	-0.10%	-51.03%	14.02%	31.08%
Basic Shares Outstanding	2	2	2	3	3	3
Diluted Shares Outstanding	2	2	2	3	3	3
Shares Change (YoY)	-1.86%	-1.47%	-0.24%	-0.52%	-0.77%	0.01%
EPS (Basic)	44.57	38.10	22.33	22.30	45.32	39.46
EPS (Diluted)	44.51	38.06	22.32	22.29	45.28	39.40
EPS Growth	80.56%	70.52%	0.14%	-50.77%	14.92%	31.07%
Dividend Per Share	7.400	7.400	7.400	7.400	7.400	7.400
Effective Tax Rate	22.12%	22.07%	21.25%	21.49%	21.76%	21.85%

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