Call reports 2025
FIVE POINTS BANK — 2025
What FIVE POINTS 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 | 2,091,857,000 | 2,086,420,000 | 2,076,241,000 | 2,149,132,000 |
| Total loans | 1,228,055,000 | 1,264,116,000 | 1,287,868,000 | 1,295,550,000 |
| Allowance for loan losses | 17,909,000 | 18,412,000 | 18,765,000 | 18,918,000 |
| Securities available for sale | 159,315,000 | 155,255,000 | 153,667,000 | 147,880,000 |
| Securities held to maturity | 418,643,000 | 418,416,000 | 416,182,000 | 414,566,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,912,742,000 | 1,903,946,000 | 1,887,218,000 | 1,961,539,000 |
| Interest-bearing deposits | 1,578,571,000 | 1,558,884,000 | 1,574,496,000 | 1,612,646,000 |
| Noninterest-bearing deposits | 334,171,000 | 345,062,000 | 312,722,000 | 348,893,000 |
| Equity capital | 137,923,000 | 140,110,000 | 148,617,000 | 154,731,000 |
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 | 24,026,000 | 49,425,000 | 75,036,000 | 101,368,000 |
| Interest expense | 10,735,000 | 21,766,000 | 32,827,000 | 43,771,000 |
| Net interest income | 13,291,000 | 27,659,000 | 42,209,000 | 57,597,000 |
| Noninterest income | 2,334,000 | 4,662,000 | 7,011,000 | 9,270,000 |
| Noninterest expense | 7,530,000 | 16,449,000 | 25,378,000 | 35,998,000 |
| Provision for loan losses | 703,000 | -743,000 | -386,000 | -259,000 |
| Pretax income | 7,392,000 | 16,615,000 | 24,457,000 | 31,307,000 |
| Income tax | 180,000 | 300,000 | 420,000 | 500,000 |
| Net income | 7,212,000 | 16,315,000 | 24,037,000 | 30,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 207,129,000 | 207,932,000 | 213,154,000 | 217,424,000 |
| Total capital | 225,488,000 | 226,794,000 | 232,369,000 | 236,842,000 |
| Risk-weighted assets | 1,494,957,000 | 1,524,716,000 | 1,562,693,000 | 1,578,982,000 |