Call reports 2025
WEST COAST COMMUNITY BANK — 2025
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,658,101,000 | 2,650,147,000 | 2,837,803,000 | 2,883,698,000 |
| Total loans | 2,105,247,000 | 2,109,926,000 | 2,127,178,000 | 2,172,464,000 |
| Allowance for loan losses | 33,102,000 | 33,551,000 | 37,091,000 | 38,173,000 |
| Securities available for sale | 364,667,000 | 359,043,000 | 428,007,000 | 384,608,000 |
| Securities held to maturity | 6,620,000 | 6,596,000 | 6,570,000 | 6,544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,256,646,000 | 2,260,409,000 | 2,437,810,000 | 2,479,075,000 |
| Interest-bearing deposits | 1,298,179,000 | 1,296,344,000 | 1,387,033,000 | 1,464,851,000 |
| Noninterest-bearing deposits | 958,467,000 | 964,065,000 | 1,050,777,000 | 1,014,224,000 |
| Equity capital | 357,661,000 | 368,002,000 | 378,334,000 | 382,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 40,102,000 | 81,189,000 | 124,351,000 | 168,284,000 |
| Interest expense | 7,229,000 | 14,831,000 | 22,849,000 | 30,974,000 |
| Net interest income | 32,873,000 | 66,358,000 | 101,502,000 | 137,310,000 |
| Noninterest income | 916,000 | 2,021,000 | 2,988,000 | 4,017,000 |
| Noninterest expense | 15,282,000 | 30,549,000 | 45,911,000 | 61,482,000 |
| Provision for loan losses | 1,482,000 | 1,902,000 | 5,442,000 | 6,178,000 |
| Pretax income | 16,868,000 | 35,549,000 | 52,806,000 | 72,601,000 |
| Income tax | 4,892,000 | 10,264,000 | 15,230,000 | 20,331,000 |
| Net income | 11,976,000 | 25,285,000 | 37,576,000 | 52,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 300,405,000 | 311,020,000 | 319,420,000 | 322,556,000 |
| Total capital | 329,386,000 | 340,574,000 | 349,457,000 | 353,575,000 |
| Risk-weighted assets | 2,312,309,000 | 2,358,076,000 | 2,393,651,000 | 2,471,363,000 |