WCCB Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	152.22	150.51	111.32	88.76	65.74	61.09
Interest Income on Investments	19.04	16.63	8.32	5.64	6.32	2.26
Total Interest Income	171.26	167.14	119.64	94.4	72.06	63.35
Interest Paid on Deposits	31.5	30.56	24.14	11.51	1.85	1.8
Interest Paid on Borrowings	3.46	2.35	0.37	0.64	0	0.01
Total Interest Expense	34.96	32.91	24.51	12.15	1.85	1.82
Net Interest Income	136.3	134.23	95.13	82.25	70.21	61.54
Net Interest Income Growth	13.82%	41.11%	15.65%	17.16%	14.10%	25.61%
Gain (Loss) on Sale of Investments	0.03	-0.28	-	-0.03	-	-
Other Non-Interest Income	4.67	4.56	3.88	3.39	2.84	3.02
Total Non-Interest Income	6.51	5.02	4.05	4.08	4.54	4.78
Non-Interest Income Growth	48.83%	23.91%	-0.71%	-10.17%	-4.86%	13.36%
Revenues Before Loan Losses	142.81	139.25	99.18	86.34	74.75	66.31
Provision for Loan Losses	6.12	6.96	7.04	1.41	1.61	6.86
Revenue	136.69	132.29	92.14	84.92	73.14	59.45
Revenue Growth	19.82%	43.57%	8.50%	16.11%	23.03%	18.00%
Salaries and Employee Benefits	32.87	32.46	23.76	18.97	16.49	16.85
Federal Deposit Insurance	1.56	1.56	1.05	0.96	0.69	0.65
Amortization of Goodwill & Intangibles	4.03	4.19	1.32	0.36	0.41	0.49
Selling, General & Administrative	16.01	15.39	10.8	9.4	7.1	5.97
Other Non-Interest Expense	8.35	7.93	6.22	5.46	4.69	5.43
Total Non-Interest Expense	62.83	61.53	43.16	35.15	29.38	29.39
EBT Excluding Unusual Items	73.86	70.76	48.99	49.77	43.76	30.07
Pretax Income	73.51	70.06	41.94	49.77	43.76	30.07
Income Tax Expense	20.53	19.64	12.36	14.62	12.82	8.79
Net Income	52.98	50.43	29.58	35.15	30.94	21.27
Net Income to Common	52.98	50.43	29.58	35.15	30.94	21.27
Net Income Growth	44.62%	70.49%	-15.85%	13.59%	45.45%	21.22%
Basic Shares Outstanding	10	10	9	8	9	9
Diluted Shares Outstanding	11	11	9	8	9	9
Shares Change	4.08%	17.57%	6.93%	-1.26%	0.04%	0.27%
EPS (Basic)	5.09	4.81	3.32	4.19	3.63	2.50
EPS (Diluted)	5.04	4.76	3.28	4.17	3.62	2.49
EPS Growth	39.29%	45.12%	-21.34%	15.19%	45.38%	20.87%
Dividend Per Share	1.140	0.860	0.710	0.630	0.475	0.237
Dividend Growth	46.15%	21.13%	12.70%	32.63%	100.00%	58.33%
Effective Tax Rate	27.93%	28.02%	29.47%	29.38%	29.29%	29.24%