Winchester Bancorp, Inc. (WSBK)

Winchester Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023
Period Ending	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023
Interest Income on Loans	34.37	30.64	21.42
Interest Income on Investments	4.94	4.22	3.45
Total Interest Income	39.31	34.86	24.87
Interest Paid on Deposits	18.84	15.94	5.38
Interest Paid on Borrowings	5.63	4.55	1.74
Total Interest Expense	24.47	20.49	7.12
Net Interest Income	14.84	14.37	17.75
Net Interest Income Growth (YoY)	-	-19.02%	-
Gain (Loss) on Sale of Assets	-	0.31	3.33
Gain (Loss) on Sale of Investments	0.53	0.35	0.05
Other Non-Interest Income	1.26	1.13	0.87
Total Non-Interest Income	1.78	1.78	4.24
Non-Interest Income Growth (YoY)	-	-58.05%	-
Revenues Before Loan Losses	16.62	16.15	21.99
Provision for Loan Losses	1.78	0.51	1.4
Revenue	14.84	15.64	20.59
Revenue Growth (YoY)	-	-24.06%	-
Salaries and Employee Benefits	8.7	8.83	9.76
Occupancy Expenses	1.34	1.28	1.11
Federal Deposit Insurance	0.71	0.47	0.28
Selling, General & Administrative	4.34	4.3	3.82
Total Non-Interest Expense	15.09	14.89	14.97
EBT Excluding Unusual Items	-0.25	0.75	5.62
Pretax Income	-0.25	0.75	5.62
Income Tax Expense	-0.29	-0.03	1.46
Net Income	0.04	0.79	4.16
Net Income to Common	0.04	0.79	4.16
Net Income Growth	-	-81.11%	-
Effective Tax Rate	-	-	26.02%

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