Call reports 2025
WCF FINANCIAL BANK — 2025
What WCF FINANCIAL 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 | 219,649,000 | 221,303,000 | 226,396,000 | 227,490,000 |
| Total loans | 167,826,000 | 168,126,000 | 174,202,000 | 174,264,000 |
| Allowance for loan losses | 1,288,000 | 1,318,000 | 1,348,000 | 1,935,000 |
| Securities available for sale | 26,215,000 | 26,436,000 | 26,072,000 | 25,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,721,000 | 166,324,000 | 160,785,000 | 172,229,000 |
| Interest-bearing deposits | 153,039,000 | 152,320,000 | 146,211,000 | 150,691,000 |
| Noninterest-bearing deposits | 15,682,000 | 14,004,000 | 14,574,000 | 21,538,000 |
| Equity capital | 20,611,000 | 20,269,000 | 20,195,000 | 17,572,000 |
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 | 2,845,000 | 5,710,000 | 8,654,000 | 11,093,000 |
| Interest expense | 1,551,000 | 3,108,000 | 4,659,000 | 6,277,000 |
| Net interest income | 1,294,000 | 2,602,000 | 3,995,000 | 4,816,000 |
| Noninterest income | 194,000 | 413,000 | 733,000 | 919,000 |
| Noninterest expense | 1,469,000 | 2,958,000 | 4,464,000 | 6,096,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 1,591,000 |
| Pretax income | 12,000 | 20,000 | 197,000 | -1,929,000 |
| Income tax | -11,000 | -23,000 | 5,000 | 334,000 |
| Net income | 23,000 | 43,000 | 192,000 | -2,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,834,000 | 21,473,000 | 21,041,000 | 18,306,000 |
| Total capital | 23,168,000 | 22,837,000 | 22,435,000 | 20,286,000 |
| Risk-weighted assets | 156,552,000 | 155,911,000 | 160,796,000 | 162,021,000 |