West Coast Community Bancorp (WCCB)

WCCB Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	150.11	111.32	88.76	65.74	61.09	48.28
Interest Income on Investments	15.53	8.32	5.64	6.32	2.26	3.42
Total Interest Income	165.63	119.64	94.4	72.06	63.35	51.7
Interest Paid on Deposits	30.26	24.14	11.51	1.85	1.8	2.58
Interest Paid on Borrowings	1.51	0.37	0.64	0	0.01	0.13
Total Interest Expense	31.77	24.51	12.15	1.85	1.82	2.71
Net Interest Income	133.86	95.13	82.25	70.21	61.54	48.99
Net Interest Income Growth (YoY)	62.86%	15.65%	17.16%	14.10%	25.61%	39.23%
Other Non-Interest Income	4.61	3.88	3.39	2.84	3.02	2.69
Total Non-Interest Income	4.59	4.05	4.08	4.54	4.78	4.21
Non-Interest Income Growth (YoY)	25.83%	-0.71%	-10.17%	-4.86%	13.36%	22.24%
Revenues Before Loan Losses	138.46	99.18	86.34	74.75	66.31	53.2
Provision for Loan Losses	13.43	7.04	1.41	1.61	6.86	2.82
Revenue	125.03	92.14	84.92	73.14	59.45	50.38
Revenue Growth (YoY)	43.72%	8.50%	16.11%	23.03%	18.00%	31.96%
Salaries and Employee Benefits	33	23.76	18.97	16.49	16.85	14.66
Federal Deposit Insurance	1.51	1.05	0.96	0.69	0.65	0.27
Amortization of Goodwill & Intangibles	4.27	1.32	0.36	0.41	0.49	0.64
Selling, General & Administrative	14.5	10.8	9.4	7.1	5.97	5.39
Other Non-Interest Expense	7.94	6.22	5.46	4.69	5.43	4.4
Total Non-Interest Expense	61.22	43.16	35.15	29.38	29.39	25.36
EBT Excluding Unusual Items	63.81	48.99	49.77	43.76	30.07	25.03
Pretax Income	57.03	41.94	49.77	43.76	30.07	24.68
Income Tax Expense	16.53	12.36	14.62	12.82	8.79	7.13
Net Income	40.5	29.58	35.15	30.94	21.27	17.55
Net Income to Common	40.5	29.58	35.15	30.94	21.27	17.55
Net Income Growth	17.11%	-15.85%	13.59%	45.45%	21.22%	42.97%
Basic Shares Outstanding	11	9	8	9	9	8
Diluted Shares Outstanding	11	9	8	9	9	9
Shares Change (YoY)	25.89%	6.93%	-1.26%	0.04%	0.27%	40.97%
EPS (Basic)	3.86	3.32	4.19	3.63	2.50	2.07
EPS (Diluted)	3.81	3.28	4.17	3.62	2.49	2.06
EPS Growth	-7.15%	-21.34%	15.19%	45.38%	20.87%	1.39%
Dividend Per Share	0.820	0.710	0.630	0.475	0.237	0.150
Dividend Growth	18.84%	12.70%	32.63%	100.00%	58.33%	9.97%
Effective Tax Rate	28.99%	29.47%	29.38%	29.29%	29.24%	28.88%

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