Call reports 2025
WESTSIDE STATE BANK — 2025
What WESTSIDE STATE 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 | 226,689,000 | 245,477,000 | 248,312,000 | 255,043,000 |
| Total loans | 197,061,000 | 208,688,000 | 220,573,000 | 227,293,000 |
| Allowance for loan losses | 1,170,000 | 1,256,000 | 1,337,000 | 1,680,000 |
| Securities available for sale | 15,224,000 | 13,655,000 | 12,269,000 | 11,670,000 |
| Securities held to maturity | 1,500,000 | 2,070,000 | 2,070,000 | 1,570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,883,000 | 180,124,000 | 184,082,000 | 187,993,000 |
| Interest-bearing deposits | 138,199,000 | 145,370,000 | 150,429,000 | 151,925,000 |
| Noninterest-bearing deposits | 35,684,000 | 34,754,000 | 33,653,000 | 36,068,000 |
| Equity capital | 17,226,000 | 18,568,000 | 19,576,000 | 20,170,000 |
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 | 3,425,000 | 7,026,000 | 10,996,000 | 15,005,000 |
| Interest expense | 1,340,000 | 2,783,000 | 4,446,000 | 6,064,000 |
| Net interest income | 2,085,000 | 4,243,000 | 6,550,000 | 8,941,000 |
| Noninterest income | 170,000 | 286,000 | 455,000 | 585,000 |
| Noninterest expense | 1,482,000 | 2,854,000 | 4,259,000 | 5,715,000 |
| Provision for loan losses | 72,000 | 162,000 | 252,000 | 642,000 |
| Pretax income | 701,000 | 1,513,000 | 2,494,000 | 3,169,000 |
| Income tax | 24,000 | 48,000 | 77,000 | 90,000 |
| Net income | 677,000 | 1,465,000 | 2,417,000 | 3,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,104,000 | 18,362,000 | 19,143,000 | 19,679,000 |
| Total capital | 18,274,000 | 19,618,000 | 20,480,000 | 21,359,000 |
| Risk-weighted assets | 165,821,000 | 176,320,000 | 182,221,000 | 185,751,000 |