WCCB Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	150.51	111.32	88.76	65.74	61.09
Interest Income on Investments	16.63	8.32	5.64	6.32	2.26
Total Interest Income	167.14	119.64	94.4	72.06	63.35
Interest Paid on Deposits	30.56	24.14	11.51	1.85	1.8
Interest Paid on Borrowings	2.35	0.37	0.64	0	0.01
Total Interest Expense	32.91	24.51	12.15	1.85	1.82
Net Interest Income	134.23	95.13	82.25	70.21	61.54
Net Interest Income Growth (YoY)	41.11%	15.65%	17.16%	14.10%	25.61%
Other Non-Interest Income	4.56	3.88	3.39	2.84	3.02
Total Non-Interest Income	5.02	4.05	4.08	4.54	4.78
Non-Interest Income Growth (YoY)	23.91%	-0.71%	-10.17%	-4.86%	13.36%
Revenues Before Loan Losses	139.25	99.18	86.34	74.75	66.31
Provision for Loan Losses	6.96	7.04	1.41	1.61	6.86
Revenue	132.29	92.14	84.92	73.14	59.45
Revenue Growth (YoY)	43.57%	8.50%	16.11%	23.03%	18.00%
Salaries and Employee Benefits	33.9	23.76	18.97	16.49	16.85
Federal Deposit Insurance	1.56	1.05	0.96	0.69	0.65
Amortization of Goodwill & Intangibles	4.19	1.32	0.36	0.41	0.49
Selling, General & Administrative	13.95	10.8	9.4	7.1	5.97
Other Non-Interest Expense	7.93	6.22	5.46	4.69	5.43
Total Non-Interest Expense	61.53	43.16	35.15	29.38	29.39
EBT Excluding Unusual Items	70.76	48.99	49.77	43.76	30.07
Pretax Income	70.06	41.94	49.77	43.76	30.07
Income Tax Expense	19.64	12.36	14.62	12.82	8.79
Net Income	50.43	29.58	35.15	30.94	21.27
Net Income to Common	50.43	29.58	35.15	30.94	21.27
Net Income Growth	70.49%	-15.85%	13.59%	45.45%	21.22%
Basic Shares Outstanding	10	9	8	9	9
Diluted Shares Outstanding	11	9	8	9	9
Shares Change (YoY)	17.57%	6.93%	-1.26%	0.04%	0.27%
EPS (Basic)	4.81	3.32	4.19	3.63	2.50
EPS (Diluted)	4.76	3.28	4.17	3.62	2.49
EPS Growth	45.12%	-21.34%	15.19%	45.38%	20.87%
Dividend Per Share	0.860	0.710	0.630	0.475	0.237
Dividend Growth	21.13%	12.70%	32.63%	100.00%	58.33%
Effective Tax Rate	28.02%	29.47%	29.38%	29.29%	29.24%

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