| Schedule of Financial Data of Reportable Segment |
The following tables reflects consolidated financial data of the Company’s reportable segment for the three and six months ended June 30, 2025 and 2024:
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Banking Segment |
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Dollars In Thousands |
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Three Months Ended |
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Six Months Ended |
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June 30, |
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June 30, |
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2025 |
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2024 |
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2025 |
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2024 |
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Interest income |
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$ |
81,094 |
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68,945 |
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$ |
157,596 |
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133,887 |
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Reconciliation of revenue |
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Other revenues |
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8,942 |
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8,655 |
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17,039 |
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15,873 |
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Total consolidated revenues |
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$ |
90,036 |
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77,600 |
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$ |
174,635 |
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149,760 |
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Less: |
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Interest expense |
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32,156 |
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30,485 |
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64,079 |
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59,866 |
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Segment net interest income and noninterest income |
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$ |
57,880 |
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47,115 |
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$ |
110,556 |
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89,894 |
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Less: |
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Provision for credit losses - loans |
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2,507 |
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— |
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4,740 |
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— |
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Provision for credit losses - off-balance sheet exposures |
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123 |
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— |
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(270 |
) |
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— |
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Salaries and employee benefits |
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18,511 |
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16,910 |
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36,383 |
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33,455 |
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Data processing expense |
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2,852 |
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2,370 |
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5,445 |
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4,722 |
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Occupancy expenses, net |
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1,542 |
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1,473 |
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3,001 |
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2,757 |
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Advertising & public relations expense |
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1,103 |
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832 |
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1,900 |
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1,581 |
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Furniture and equipment expense |
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749 |
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756 |
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1,512 |
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1,502 |
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FDIC insurance |
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1,025 |
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721 |
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2,156 |
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1,628 |
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Other segment items (a) |
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4,540 |
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3,370 |
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9,183 |
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6,900 |
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Income tax expense |
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5,793 |
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4,490 |
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10,974 |
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8,377 |
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Segment net earnings/consolidated net earnings |
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$ |
19,135 |
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16,193 |
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$ |
35,532 |
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28,972 |
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Net earnings attributable to noncontrolling interest |
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(20 |
) |
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(56 |
) |
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(25 |
) |
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(67 |
) |
Net earnings attributable to Wilson Bank Holding Company |
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$ |
19,115 |
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16,137 |
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$ |
35,507 |
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28,905 |
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Banking Segment |
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Dollars in Thousands |
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Three Months Ended |
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Six Months Ended |
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June 30, |
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June 30, |
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2025 |
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2024 |
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2025 |
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2024 |
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Reconciliation of net earnings |
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Net earnings for reportable segment |
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$ |
19,115 |
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16,137 |
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$ |
35,507 |
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28,905 |
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Other earnings |
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— |
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— |
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— |
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— |
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Net earnings attributable to Wilson Bank Holding Company |
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$ |
19,115 |
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16,137 |
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$ |
35,507 |
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28,905 |
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Banking Segment |
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Dollars in Thousands |
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June 30, 2025 |
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December 31, 2024 |
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Reconciliation of assets |
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Total assets for reportable segment |
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$ |
5,631,784 |
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5,358,659 |
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Other assets |
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— |
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— |
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Total consolidated assets |
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$ |
5,631,784 |
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5,358,659 |
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(a) Other segment items includes equity-based compensation, accounting, legal & consulting expenses, directors' fees, fees and licenses, telephone expenses, franchise tax, and other overhead expenses.
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