Company: NWBI
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0001471265-25-000161
Chunk: 81

Company: Northwest Bancshares, Inc.
Filing Date: 2025-11-10
Form: 10-Q
Item: Item 2
Chunk 81
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 following table represents the extent to which changes in interest rates and changes in the volume of interest-earning assets and interest-bearing liabilities have affected interest income (FTE) and interest expense during the periods indicated. Information is provided in each category with respect to (i) changes attributable to changes in volume (changes in volume multiplied by prior rate), (ii) changes attributable to changes in rate (changes in rate multiplied by prior volume), and (iii) net change. Changes that cannot be attributed to either rate or volume have been allocated to both rate and volume.

For the quarter ended September 30, 2025 vs. 2024Increase/(decrease) due to Total  increase/(decrease)RateVolumeInterest-earning assets:   Loans receivable$2,201 19,097 21,298 Mortgage-backed securities1,238 522 1,760 Investment securities374 275 649 FHLB stock, at cost53 205 258 Other interest-earning deposits(512)(100)(612)Total interest-earning assets3,354 19,999 23,353 Interest-bearing liabilities:   Savings deposits(546)545 (1)Interest-bearing demand deposits168 638 806 Money market deposit accounts516 2,099 2,615 Time deposits(5,628)(110)(5,738)Borrowed funds(128)1,228 1,100 Subordinated debt183 4 187 Junior subordinated debentures(348)4 (344)Total interest-bearing liabilities(5,783)4,408 (1,375)Net change in net interest income (FTE)$9,137 15,591 24,728 

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Table of Contents

Average Balance Sheet

(in thousands)

The following table sets forth certain information relating to the Company’s average balance sheet and reflects the average yield on interest-earning assets and average cost of interest-bearing liabilities for the periods indicated. Such yields and costs are derived by dividing income or expense by the average balance of assets or liabilities, respectively, for the periods presented. Average balances are calculated using daily averages

. Nine months ended September 30, 20252024AveragebalanceInterestAvg.yield/cost (h)AveragebalanceInterestAvg.yield/cost (h)Assets      Interest-earning assets:      Residential mortgage loans$3