WILSON BANK HOLDING CO
For the period ended Dec 31, 2023. Filed Feb 28, 2024.
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FY2023 · Filed Feb 28, 2024
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EX-13.1 · Non-Interest Income and Non-Interest Expense
Non-Interest Income and Non-Interest Expense
The significant components of non-interest income and non-interest expense for the years ended December 31, 2023, 2022 and 2021 are presented below:
| In Thousands | |||
|---|---|---|---|
| 2023 | 2022 | 2021 | |
| Non-interest income: | |||
| Service charges on deposits | $7,890 | 7,382 | 6,137 |
| Brokerage income | 7,184 | 6,929 | 6,368 |
| Debit and credit card interchange income, net | 8,490 | 8,416 | 7,783 |
| Other fees and commissions | 1,408 | 1,653 | 1,446 |
| BOLI and annuity earnings | 1,667 | 1,346 | 1,109 |
| Gain (loss) on sale of securities, net | (1,009) | (1,620) | 28 |
| Fees and gains on sales of mortgage loans | 2,635 | 2,973 | 9,997 |
| Mortgage servicing income (loss), net | 9 | (28) | — |
| Loss on sale of other real estate, net | — | — | (15) |
| Gain (loss) on sale of fixed assets, net | (55) | 291 | (43) |
| Gain (loss) on sale of other assets, net | (10) | 8 | 6 |
| Other income (loss) | 80 | (69) | 34 |
| $28,289 | 27,281 | 32,850 | |
| In Thousands | |||
|---|---|---|---|
| 2023 | 2022 | 2021 | |
| Non-interest expense: | |||
| Employee salaries and benefits | $59,501 | 56,707 | 52,722 |
| Equity-based compensation | 1,528 | 1,864 | 1,428 |
| Occupancy expenses | 6,532 | 5,563 | 5,473 |
| Furniture and equipment expenses | 3,202 | 3,389 | 3,323 |
| Data processing expenses | 8,810 | 7,337 | 5,780 |
| Advertising expenses | 3,714 | 3,455 | 2,736 |
| Accounting, legal & consulting expenses | 1,789 | 1,409 | 1,287 |
| FDIC insurance | 3,120 | 1,527 | 1,130 |
| Directors’ fees | 713 | 650 | 686 |
| Other operating expenses | 12,042 | 11,069 | 10,927 |
| $100,951 | 92,970 | 85,492 | |
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