WVS Financial Income Statement

Financials in millions USD. Fiscal year is July - June.

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest Income on Loans	3.73	2.92	2.67	2.8	3.15
Interest Income on Investments	11.4	12.82	10.39	2.95	2.61
Total Interest Income	15.13	15.74	13.06	5.74	5.75
Interest Paid on Deposits	1.34	0.73	0.32	0.14	0.3
Interest Paid on Borrowings	7.99	9.69	7.21	0.79	0.59
Total Interest Expense	9.33	10.42	7.53	0.93	0.89
Net Interest Income	5.79	5.33	5.53	4.81	4.86
Net Interest Income Growth (YoY)	8.75%	-3.67%	15.01%	-1.11%	-26.66%
Gain (Loss) on Sale of Assets	-	0.01	-	-	-
Gain (Loss) on Sale of Investments	-	-	-0	0.08	0.09
Other Non-Interest Income	0.27	0.27	0.28	0.3	0.3
Total Non-Interest Income	0.35	0.36	0.37	0.47	0.48
Non-Interest Income Growth (YoY)	-4.40%	-0.27%	-22.67%	-0.63%	31.21%
Revenues Before Loan Losses	6.14	5.69	5.9	5.28	5.34
Provision for Loan Losses	0.05	0.06	-0.03	-0.07	-0.05
Revenue	6.09	5.63	5.92	5.35	5.39
Revenue Growth (YoY)	8.15%	-4.85%	10.67%	-0.76%	-22.13%
Salaries and Employee Benefits	2.48	2.28	2.21	2.15	2.23
Occupancy Expenses	0.24	0.23	0.24	0.28	0.27
Federal Deposit Insurance	0.15	0.17	0.13	0.1	0.09
Selling, General & Administrative	0.35	0.35	0.37	0.4	0.41
Other Non-Interest Expense	0.67	0.71	0.7	0.75	0.66
Total Non-Interest Expense	3.88	3.73	3.64	3.68	3.65
EBT Excluding Unusual Items	2.22	1.9	2.28	1.67	1.74
Pretax Income	2.22	1.9	2.28	1.67	1.74
Income Tax Expense	0.57	0.53	0.57	0.42	0.45
Net Income	1.65	1.38	1.71	1.24	1.3
Net Income to Common	1.65	1.38	1.71	1.24	1.3
Net Income Growth	19.46%	-19.38%	37.30%	-4.01%	-47.95%
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	-2.20%	-4.47%	-3.72%	-0.68%	-1.11%
EPS (Basic)	1.05	0.86	1.02	0.72	0.74
EPS (Diluted)	1.05	0.86	1.02	0.72	0.74
EPS Growth	22.09%	-15.69%	42.40%	-3.20%	-47.45%
Dividend Per Share	0.400	0.400	0.400	0.400	0.400
Effective Tax Rate	25.73%	27.68%	25.02%	25.42%	25.56%

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