Call reports 2025
WEST UNION BANK — 2025
What WEST UNION 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 | 298,327,000 | 289,313,000 | 295,815,000 | 300,839,000 |
| Total loans | 133,398,000 | 139,862,000 | 138,495,000 | 146,921,000 |
| Allowance for loan losses | 1,709,000 | 1,720,000 | 1,715,000 | 1,743,000 |
| Securities available for sale | 130,561,000 | 130,813,000 | 131,943,000 | 134,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,933,000 | 266,789,000 | 268,492,000 | 271,360,000 |
| Interest-bearing deposits | 180,009,000 | 174,984,000 | 183,015,000 | 178,322,000 |
| Noninterest-bearing deposits | 94,924,000 | 91,805,000 | 85,477,000 | 93,038,000 |
| Equity capital | 14,809,000 | 14,799,000 | 18,490,000 | 19,100,000 |
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 | 3,219,000 | 6,686,000 | 10,179,000 | 13,736,000 |
| Interest expense | 1,049,000 | 2,186,000 | 3,345,000 | 4,501,000 |
| Net interest income | 2,170,000 | 4,500,000 | 6,834,000 | 9,235,000 |
| Noninterest income | 260,000 | 855,000 | 1,146,000 | 1,448,000 |
| Noninterest expense | 1,682,000 | 3,258,000 | 5,093,000 | 7,182,000 |
| Provision for loan losses | 0 | 91,000 | 110,000 | 238,000 |
| Pretax income | 748,000 | 1,956,000 | 2,716,000 | 3,219,000 |
| Income tax | 87,000 | 320,000 | 413,000 | 359,000 |
| Net income | 661,000 | 1,636,000 | 2,303,000 | 2,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,996,000 | 24,970,000 | 25,638,000 | 25,402,000 |
| Total capital | 25,727,000 | 26,763,000 | 27,436,000 | 27,213,000 |
| Risk-weighted assets | 170,064,000 | 178,828,000 | 176,623,000 | 181,999,000 |