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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	136.27	111.32	88.76	65.74	61.09	48.28
Interest Income on Investments	12.54	8.32	5.64	6.32	2.26	3.42
Total Interest Income	148.82	119.64	94.4	72.06	63.35	51.7
Interest Paid on Deposits	27.79	24.14	11.51	1.85	1.8	2.58
Interest Paid on Borrowings	1.28	0.37	0.64	0	0.01	0.13
Total Interest Expense	29.07	24.51	12.15	1.85	1.82	2.71
Net Interest Income	119.75	95.13	82.25	70.21	61.54	48.99
Net Interest Income Growth (YoY)	45.02%	15.65%	17.16%	14.10%	25.61%	39.23%
Other Non-Interest Income	4.42	3.88	3.39	2.84	3.02	2.69
Total Non-Interest Income	4.37	4.05	4.08	4.54	4.78	4.21
Non-Interest Income Growth (YoY)	12.36%	-0.71%	-10.17%	-4.86%	13.36%	22.24%
Revenues Before Loan Losses	124.12	99.18	86.34	74.75	66.31	53.2
Provision for Loan Losses	10.04	7.04	1.41	1.61	6.86	2.82
Revenue	114.08	92.14	84.92	73.14	59.45	50.38
Revenue Growth (YoY)	31.35%	8.50%	16.11%	23.03%	18.00%	31.96%
Salaries and Employee Benefits	30.18	23.76	18.97	16.49	16.85	14.66
Federal Deposit Insurance	1.37	1.05	0.96	0.69	0.65	0.27
Amortization of Goodwill & Intangibles	3.29	1.32	0.36	0.41	0.49	0.64
Selling, General & Administrative	13.29	10.8	9.4	7.1	5.97	5.39
Other Non-Interest Expense	7.17	6.22	5.46	4.69	5.43	4.4
Total Non-Interest Expense	55.3	43.16	35.15	29.38	29.39	25.36
EBT Excluding Unusual Items	58.78	48.99	49.77	43.76	30.07	25.03
Pretax Income	51.7	41.94	49.77	43.76	30.07	24.68
Income Tax Expense	15.06	12.36	14.62	12.82	8.79	7.13
Net Income	36.64	29.58	35.15	30.94	21.27	17.55
Net Income to Common	36.64	29.58	35.15	30.94	21.27	17.55
Net Income Growth	3.22%	-15.85%	13.59%	45.45%	21.22%	42.97%
Basic Shares Outstanding	10	9	8	9	9	8
Diluted Shares Outstanding	10	9	8	9	9	9
Shares Change (YoY)	20.34%	6.93%	-1.26%	0.04%	0.27%	40.97%
EPS (Basic)	3.67	3.32	4.19	3.63	2.50	2.07
EPS (Diluted)	3.62	3.28	4.17	3.62	2.49	2.06
EPS Growth	-14.27%	-21.34%	15.19%	45.38%	20.87%	1.39%
Dividend Per Share	0.780	0.710	0.630	0.475	0.237	0.150
Dividend Growth	16.42%	12.70%	32.63%	100.00%	58.33%	9.97%
Effective Tax Rate	29.14%	29.47%	29.38%	29.29%	29.24%	28.88%

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