Western New England Bancorp, Inc. (WNEB)

WNEB 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	103.07	98.9	91.17	77.26	74.2	77.84
Interest Income on Investments	13.6	10.93	9.95	8.66	5.65	5.04
Total Interest Income	116.67	109.83	101.12	85.93	79.85	82.88
Interest Paid on Deposits	43.66	42.24	26.65	5.35	5.51	13.5
Interest Paid on Borrowings	6.47	7.78	6.56	1.34	1.16	4.95
Total Interest Expense	50.13	50.02	33.21	6.7	6.67	18.45
Net Interest Income	66.54	59.82	67.91	79.23	73.18	64.43
Net Interest Income Growth (YoY)	9.59%	-11.92%	-14.29%	8.27%	13.58%	11.13%
Gain (Loss) on Sale of Assets	-	-0.01	-0	-	-	-
Gain (Loss) on Sale of Investments	0.58	1.3	0.59	-0.3	0.66	2.07
Other Non-Interest Income	12.02	11.37	10.68	10.82	9.93	7.18
Total Non-Interest Income	12.6	12.9	11.26	10.53	12.01	9.25
Non-Interest Income Growth (YoY)	1.89%	14.57%	7.00%	-12.36%	29.81%	-4.68%
Revenues Before Loan Losses	79.14	72.72	79.17	89.76	85.19	73.68
Provision for Loan Losses	0.06	-0.67	0.87	0.7	-0.93	7.78
Revenue	79.08	73.39	78.3	89.06	86.11	65.91
Revenue Growth (YoY)	9.08%	-6.28%	-12.08%	3.42%	30.66%	1.38%
Salaries and Employee Benefits	32.84	30.65	30.24	30.94	30.2	27.96
Federal Deposit Insurance	1.6	1.46	1.32	1.05	1	1.03
Selling, General & Administrative	19.09	18.48	18.54	17.74	15.11	13.82
Other Non-Interest Expense	8.02	7.85	8.26	7.51	8.59	7.95
Total Non-Interest Expense	61.54	58.43	58.35	57.24	54.9	50.76
EBT Excluding Unusual Items	17.54	14.96	19.95	31.82	31.21	15.14
Other Unusual Items	-	-	-1.14	2.81	-0.05	-0.99
Pretax Income	17.54	14.96	19.58	34.63	31.72	14.16
Income Tax Expense	4.19	3.29	4.52	8.74	8.03	2.94
Net Income	13.35	11.67	15.07	25.89	23.7	11.22
Net Income to Common	13.35	11.67	15.07	25.89	23.7	11.22
Net Income Growth	22.58%	-22.58%	-41.79%	9.23%	111.32%	-15.99%
Basic Shares Outstanding	20	21	22	22	23	25
Diluted Shares Outstanding	20	21	22	22	23	25
Shares Change (YoY)	-3.54%	-2.75%	-1.49%	-5.85%	-7.03%	-4.72%
EPS (Basic)	0.66	0.56	0.70	1.18	1.02	0.45
EPS (Diluted)	0.66	0.56	0.70	1.18	1.02	0.45
EPS Growth	27.15%	-20.22%	-40.71%	15.69%	127.80%	-12.17%
Dividend Per Share	0.280	0.280	0.280	0.250	0.200	0.200
Dividend Growth	-	-	12.00%	25.00%	-	-
Effective Tax Rate	23.88%	22.00%	23.06%	25.25%	25.30%	20.78%

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

SEC Filings: 10-K · 10-Q