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NWFL • CIK 0001013272
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 |
|---|
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $28,533 | $27,562 | $32,118 | $30,902 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $37,587 | $44,777 | $12,318 | $29,387 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $66,120 | $72,339 | $44,436 | $60,289 |
| Debt Securities, Available-for-sale | $406,259 | $397,846 | $408,782 | $438,967 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | — | $1,693,795 | $1,833,540 | $2,237,181 |
| Federal Home Loan Bank Stock | $7,318 | $13,366 | $6,623 | $6,399 |
| Property, Plant and Equipment, Net | $17,838 | $19,657 | $22,971 | $25,262 |
| Bank Owned Life Insurance | $46,439 | $46,657 | $46,089 | $55,404 |
| Interest Receivable | $8,123 | $8,466 | $9,250 | $10,568 |
| Real Estate Acquired Through Foreclosure | $97 | $0 | $771 | $771 |
| Deferred Income Tax Assets, Net | $21,353 | $17,696 | $14,654 | $19,979 |
| Goodwill | $29,266 | $29,266 | $29,266 | $36,375 |
| Intangible Assets, Net (Excluding Goodwill) | $221 | $152 | $98 | $3,153 |
| Other Assets | $13,395 | $18,222 | $8,362 | $13,566 |
| Assets | $2,201,079 | $2,317,462 | $2,424,842 | $2,907,914 |
| Short-term Debt | $74,076 | $113,069 | $14,714 | $14,714 |
| Long-term Federal Home Loan Bank Advances | $124,236 | $101,793 | $59,419 | $65,513 |
| Interest Payable | $10,510 | $12,615 | $12,138 | $8,977 |
| Other Liabilities | $16,028 | $17,314 | $17,769 | $29,487 |
| Liabilities | $2,020,009 | $2,103,954 | $2,182,685 | $2,618,274 |
| Common Stock, Value, Issued | $831 | $949 | $952 | $1,118 |
| Additional Paid in Capital | $97,700 | $98,513 | $127,426 | $174,337 |
| Retained Earnings (Accumulated Deficit) | $135,284 | $152,964 | $141,130 | $146,685 |
| Treasury Stock, Value | $5,397 | $5,797 | $6,008 | $7,957 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-47,348 | $-33,121 | $-21,343 | $-24,543 |
| Stockholders' Equity Attributable to Parent | $181,070 | $213,508 | $242,157 | $289,640 |
| Noninterest-bearing Deposit Liabilities, Domestic | $399,545 | $381,479 | $419,597 | $500,383 |
| Interest-bearing Deposit Liabilities, Domestic | $253,133 | $316,283 | $404,079 | $2,013,914 |
| Deposits, Money Market Deposits | $206,928 | $183,570 | $188,215 | $188,215 |
| Deposits, Savings Deposits | $226,444 | $210,312 | $201,388 | $201,388 |
| Time Deposits | $709,109 | $767,519 | $865,366 | $865,366 |
| Deposits | $1,795,159 | $1,859,163 | $2,078,645 | $2,514,297 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | — | $19,843 | $19,882 | $25,632 |
| Preferred Stock, Shares Authorized | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 20,000,000 | 20,000,000 | 20,000,000 | 20,000,000 |
| Common Stock, Shares, Issued | 8,310,847 | 9,487,068 | 9,516,503 | 11,183,140 |
| Treasury Stock, Common, Shares | 200,690 | 214,161 | 222,645 | 290,841 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $16,759 | $-160 | $27,755 | $28,835 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $66,120 | $72,339 | $44,436 | $71,602 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect | $34,254 | $6,219 | $-27,903 | $7,244 |
| Provision for Loan, Lease, and Other Losses | $5,548 | $2,673 | $1,773 | $3,369 |
| Depreciation, Nonproduction | $1,375 | $1,308 | $1,415 | $1,629 |
| Payments to Acquire Federal Home Loan Bank Stock | $16,528 | $19,160 | $17,885 | $11,122 |
| Amortization of Intangible Assets | $85 | $69 | $54 | $355 |
| Proceeds from Sale of Federal Home Loan Bank Stock | $14,628 | $13,112 | $24,628 | $14,304 |
| Deferred Income Tax Expense (Benefit) | $583 | $-125 | $-94 | $184 |
| Payments for (Proceeds from) Loans and Leases | $136,245 | $112,951 | $137,051 | $129,944 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $-841 | $-590 | $623 | $904 |
| Proceeds from Life Insurance Policy | $437 | $838 | $1,656 | $1,656 |
| Gain (Loss) on Sale of Investments | $-209 | $-19,962 | $-19,962 | $-19,962 |
| Payments to Acquire Property, Plant, and Equipment | $1,412 | $3,127 | $4,720 | $3,064 |
| Life Insurance, Corporate or Bank Owned, Change in Value | $1,012 | $1,056 | $1,088 | $1,176 |
| Proceeds from Sale of Foreclosed Assets | $662 | $109 | $109 | $109 |
| Net Cash Provided by (Used in) Investing Activities | $-116,568 | $-115,205 | $-128,951 | $-85,552 |
| Amortization of Deferred Loan Origination Fees, Net | $-602 | $-653 | $-756 | $-704 |
| Gain (Loss) on Sale of Mortgage Loans | $63 | $195 | $326 | $345 |
| Increase (Decrease) in Mortgage Loans Held-for-sale | $4,973 | $9,257 | $12,519 | $12,198 |
| Increase (Decrease) in Loans Held-for-sale | $-5,036 | $-9,452 | $-12,845 | $-12,543 |
| Stock or Unit Option Plan Expense | $401 | $346 | $248 | $272 |
| Restricted Stock or Unit Expense | $429 | $375 | $528 | $566 |
| Increase (Decrease) in Other Operating Assets | $1,206 | $343 | $784 | $446 |
| Increase (Decrease) in Operating Liabilities | $7,857 | $2,105 | $-477 | $-3,279 |
| Increase (Decrease) in Other Operating Assets and Liabilities, Net | $2,743 | $3,558 | $-4,513 | $-2,846 |
| Net Cash Provided by (Used in) Operating Activities | $29,824 | $22,807 | $33,967 | $33,017 |
| Increase (Decrease) in Deposits | $67,432 | $64,004 | $219,482 | $159,867 |
| Proceeds from (Repayments of) Short-term Debt | $-19,139 | $38,993 | $-98,355 | $-26,500 |
| Repayments of Other Debt | $70,764 | $82,444 | $82,394 | $61,694 |
| Proceeds from Other Debt | $155,000 | $60,001 | $40,020 | $175 |
| Proceeds from Stock Options Exercised | $886 | $269 | $80 | $80 |
| Proceeds from Sale of Treasury Stock | $100 | $100 | $98 | $98 |
| Payments for Repurchase of Common Stock | $3,100 | $703 | $361 | $13 |
| Proceeds from Issuance of Common Stock | — | $28,116 | $28,116 | — |
| Payments of Ordinary Dividends, Common Stock | $9,417 | $9,719 | $11,489 | $12,734 |
| Net Cash Provided by (Used in) Financing Activities | $120,998 | $98,617 | $67,081 | $59,779 |
| Real Estate Owned, Transfer to Real Estate Owned | $2,103 | $1,939 | $3,122 | $3,284 |
| Dividends, Cash | $2,433 | $2,875 | $2,974 | $3,589 |
| Lease Obligation Incurred | — | $418 | $418 | — |
| Proceeds from Sale of Debt Securities, Available-for-sale | $3,345 | $155,372 | $0 | $0 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $33,712 | $58,652 | $67,767 | $72,732 |
| Payments to Acquire Debt Securities, Available-for-sale | $12,668 | $208,050 | $63,346 | $86,033 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $25,616 | $48,284 | $48,681 | $53,281 |
| Income Taxes Paid, Net | $4,936 | $2,617 | $3,021 | $4,000 |