Call reports 2025
BANK OF THE WEST — 2025
What BANK OF THE WEST 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 | 794,026,000 | 761,840,000 | 809,472,000 | 829,874,000 |
| Total loans | 496,605,000 | 513,890,000 | 517,482,000 | 509,098,000 |
| Allowance for loan losses | 5,131,000 | 5,231,000 | 5,412,000 | 5,673,000 |
| Securities available for sale | 78,489,000 | 77,374,000 | 77,965,000 | 80,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 719,118,000 | 686,892,000 | 731,056,000 | 748,114,000 |
| Interest-bearing deposits | 435,958,000 | 405,950,000 | 442,769,000 | 465,409,000 |
| Noninterest-bearing deposits | 283,160,000 | 280,942,000 | 288,287,000 | 282,705,000 |
| Equity capital | 68,955,000 | 70,124,000 | 73,411,000 | 74,957,000 |
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 | 10,982,000 | 22,372,000 | 33,920,000 | 45,701,000 |
| Interest expense | 2,883,000 | 5,898,000 | 8,899,000 | 11,990,000 |
| Net interest income | 8,099,000 | 16,474,000 | 25,021,000 | 33,711,000 |
| Noninterest income | 683,000 | 1,283,000 | 2,110,000 | 2,773,000 |
| Noninterest expense | 5,505,000 | 10,647,000 | 16,083,000 | 22,311,000 |
| Provision for loan losses | 52,000 | 147,000 | 322,000 | 582,000 |
| Pretax income | 3,084,000 | 6,767,000 | 10,555,000 | 13,586,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,084,000 | 6,767,000 | 10,555,000 | 13,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,567,000 | 73,490,000 | 74,936,000 | 76,054,000 |
| Total capital | 77,143,000 | 79,221,000 | 80,823,000 | 82,093,000 |
| Risk-weighted assets | 497,867,000 | 512,696,000 | 514,767,000 | 502,916,000 |