Call reports 2025
POINTS WEST COMMUNITY BANK — 2025
What POINTS WEST 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 | 803,070,000 | 801,976,000 | 795,656,000 | 833,844,000 |
| Total loans | 470,631,000 | 474,043,000 | 463,348,000 | 466,668,000 |
| Allowance for loan losses | 8,480,000 | 8,581,000 | 8,783,000 | 8,798,000 |
| Securities available for sale | 271,042,000 | 270,872,000 | 281,147,000 | 296,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 714,967,000 | 714,348,000 | 702,971,000 | 740,841,000 |
| Interest-bearing deposits | 561,264,000 | 557,662,000 | 550,152,000 | 579,981,000 |
| Noninterest-bearing deposits | 153,703,000 | 156,686,000 | 152,819,000 | 160,860,000 |
| Equity capital | 60,287,000 | 62,258,000 | 67,252,000 | 68,629,000 |
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 | 9,885,000 | 19,902,000 | 30,048,000 | 40,032,000 |
| Interest expense | 3,144,000 | 6,078,000 | 9,014,000 | 11,862,000 |
| Net interest income | 6,741,000 | 13,824,000 | 21,034,000 | 28,170,000 |
| Noninterest income | 690,000 | 1,488,000 | 2,294,000 | 3,023,000 |
| Noninterest expense | 4,663,000 | 9,799,000 | 14,697,000 | 19,926,000 |
| Provision for loan losses | 150,000 | 250,000 | 450,000 | 465,000 |
| Pretax income | 2,568,000 | 5,113,000 | 8,031,000 | 10,667,000 |
| Income tax | 17,000 | 33,000 | 51,000 | 67,000 |
| Net income | 2,551,000 | 5,080,000 | 7,980,000 | 10,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,046,000 | 78,575,000 | 77,975,000 | 78,597,000 |
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