WCCB Balance Sheet

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
Cash & Equivalents	190.78	84.76	33.94	42.69	139.42
Investment Securities	406.51	280.15	252.95	330.32	267.63
Mortgage-Backed Securities	-	143.2	36.55	36.57	36.02
Total Investments	406.51	423.35	289.51	366.89	303.64
Gross Loans	2,172	2,045	1,378	1,222	1,134
Allowance for Loan Losses	-38.17	-31.62	-23.94	-21.44	-19.98
Other Adjustments to Gross Loans	-	-	-	-	-1.28
Net Loans	2,134	2,014	1,354	1,201	1,112
Property, Plant & Equipment	10.29	16.18	15.22	19.62	17.14
Goodwill	40.05	40.05	25.76	25.76	25.76
Other Intangible Assets	23.86	28.05	1.67	2.03	2.44
Loans Held for Sale	-	-	33.7	45.26	69.51
Accrued Interest Receivable	-	10.7	8.14	6.83	5.39
Long-Term Deferred Tax Assets	24.29	27.79	11.54	12.98	6.73
Other Long-Term Assets	53.62	35.95	21.24	21.39	18.9
Total Assets	2,884	2,680	1,794	1,744	1,701
Interest Bearing Deposits	1,465	1,226	872.42	794.8	716.42
Institutional Deposits	-	70.6	66.21	66.49	63.03
Non-Interest Bearing Deposits	1,012	1,014	576.46	669.49	716.89
Total Deposits	2,477	2,310	1,515	1,531	1,496
Short-Term Borrowings	-	-	32.5	-	-
Current Portion of Leases	-	1.51	-	-	-
Accrued Interest Payable	-	1.36	1.04	0.24	0.1
Long-Term Debt	7.79	11.61	-	-	-
Long-Term Leases	-	5.65	4.42	4.81	5.05
Other Long-Term Liabilities	22.02	16.84	11.27	10.98	13.68
Total Liabilities	2,507	2,347	1,564	1,547	1,515
Common Stock	198.25	204.79	122.6	124.63	125.83
Retained Earnings	182.45	140.67	117.26	89.24	62.33
Comprehensive Income & Other	-3.87	-12.48	-9.82	-16.19	-2.07
Shareholders' Equity	376.83	332.98	230.04	197.68	186.09
Total Liabilities & Equity	2,884	2,680	1,794	1,744	1,701
Total Debt	7.79	18.77	36.92	4.81	5.05
Net Cash (Debt)	182.99	66.24	7.47	72.57	156.04
Net Cash Growth	176.25%	786.65%	-89.70%	-53.49%	617.61%
Net Cash Per Share	17.26	7.35	0.89	8.50	18.28
Filing Date Shares Outstanding	10.48	10.56	8.41	8.48	8.54
Total Common Shares Outstanding	10.48	10.56	8.41	8.48	8.54
Book Value Per Share	35.95	31.54	27.36	23.32	21.80
Tangible Book Value	312.92	264.88	202.6	169.88	157.89
Tangible Book Value Per Share	29.85	25.09	24.10	20.04	18.50

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