Call reports 2023
WCF FINANCIAL BANK — 2023
What WCF FINANCIAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 173,500,000 | 177,075,000 | 184,895,000 | 195,206,000 |
| Total loans | 124,018,000 | 133,747,000 | 141,903,000 | 146,897,000 |
| Allowance for loan losses | 1,061,000 | 1,076,000 | 1,084,000 | 1,101,000 |
| Securities available for sale | 24,704,000 | 23,683,000 | 22,854,000 | 22,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,894,000 | 128,166,000 | 132,896,000 | 142,927,000 |
| Interest-bearing deposits | 114,354,000 | 115,379,000 | 121,194,000 | 129,329,000 |
| Noninterest-bearing deposits | 13,540,000 | 12,787,000 | 11,702,000 | 13,598,000 |
| Equity capital | 20,351,000 | 20,419,000 | 20,274,000 | 20,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,718,000 | 3,709,000 | 5,880,000 | 8,248,000 |
| Interest expense | 512,000 | 1,288,000 | 2,322,000 | 3,621,000 |
| Net interest income | 1,206,000 | 2,421,000 | 3,558,000 | 4,627,000 |
| Noninterest income | 146,000 | 308,000 | 461,000 | 619,000 |
| Noninterest expense | 1,216,000 | 2,362,000 | 3,542,000 | 5,550,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 162,000 | 367,000 | 462,000 | -371,000 |
| Income tax | 38,000 | 64,000 | 73,000 | -182,000 |
| Net income | 124,000 | 303,000 | 389,000 | -189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,008,000 | 22,206,000 | 22,312,000 | 21,750,000 |
| Total capital | 23,069,000 | 23,282,000 | 23,396,000 | 22,887,000 |
| Risk-weighted assets | 129,253,000 | 128,023,000 | 144,575,000 | 138,757,000 |
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