Call reports 2025
COMMUNITY POINT BANK — 2025
What COMMUNITY POINT 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 | 210,227,000 | 218,601,000 | 224,729,000 | 239,564,000 |
| Total loans | 167,346,000 | 176,326,000 | 186,342,000 | 201,724,000 |
| Allowance for loan losses | 1,993,000 | 2,054,000 | 2,181,000 | 2,325,000 |
| Securities available for sale | 22,300,000 | 24,916,000 | 24,667,000 | 25,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,183,000 | 195,437,000 | 200,161,000 | 206,553,000 |
| Interest-bearing deposits | 161,313,000 | 168,543,000 | 173,624,000 | 179,832,000 |
| Noninterest-bearing deposits | 25,870,000 | 26,894,000 | 26,537,000 | 26,721,000 |
| Equity capital | 15,619,000 | 16,648,000 | 17,998,000 | 17,062,000 |
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 | 3,218,000 | 6,561,000 | 10,139,000 | 13,878,000 |
| Interest expense | 1,459,000 | 2,910,000 | 4,415,000 | 5,948,000 |
| Net interest income | 1,759,000 | 3,651,000 | 5,724,000 | 7,930,000 |
| Noninterest income | 83,000 | 146,000 | 248,000 | 346,000 |
| Noninterest expense | 938,000 | 1,877,000 | 2,871,000 | 3,874,000 |
| Provision for loan losses | 115,000 | 178,000 | 308,000 | 458,000 |
| Pretax income | 786,000 | 1,732,000 | 2,781,000 | 3,921,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 786,000 | 1,732,000 | 2,781,000 | 3,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,609,000 | 18,555,000 | 19,369,000 | 18,422,000 |
| Total capital | 19,622,000 | 20,636,000 | 21,579,000 | 20,787,000 |
| Risk-weighted assets | 171,201,000 | 178,670,000 | 188,567,000 | 202,787,000 |