Call reports 2025
WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2025
What WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION 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 | 3,756,973,000 | 4,069,969,000 | 4,187,921,000 | 4,478,347,000 |
| Total loans | 2,698,051,000 | 2,919,350,000 | 2,970,855,000 | 3,057,626,000 |
| Allowance for loan losses | 22,870,000 | 22,560,000 | 20,856,000 | 19,497,000 |
| Securities available for sale | 292,427,000 | 316,960,000 | 464,033,000 | 576,691,000 |
| Securities held to maturity | 311,982,000 | 307,444,000 | 303,027,000 | 297,712,000 |
| Trading assets | 7,224,000 | 7,051,000 | 5,702,000 | 5,176,000 |
| Total deposits | 3,173,334,000 | 3,464,040,000 | 3,562,256,000 | 3,834,887,000 |
| Interest-bearing deposits | 2,528,973,000 | 2,796,549,000 | 2,868,065,000 | 3,086,424,000 |
| Noninterest-bearing deposits | 644,361,000 | 667,491,000 | 694,191,000 | 748,463,000 |
| Equity capital | 353,230,000 | 368,614,000 | 390,206,000 | 407,550,000 |
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 | 49,027,000 | 99,293,000 | 154,167,000 | 210,818,000 |
| Interest expense | 21,250,000 | 44,146,000 | 69,666,000 | 94,301,000 |
| Net interest income | 27,777,000 | 55,147,000 | 84,501,000 | 116,517,000 |
| Noninterest income | 3,199,000 | 6,647,000 | 10,164,000 | 12,955,000 |
| Noninterest expense | 11,412,000 | 22,388,000 | 33,746,000 | 45,431,000 |
| Provision for loan losses | 1,874,000 | 1,671,000 | 1,019,000 | 2,082,000 |
| Pretax income | 17,307,000 | 36,857,000 | 59,308,000 | 80,186,000 |
| Income tax | 4,516,000 | 9,702,000 | 15,710,000 | 21,228,000 |
| Net income | 12,791,000 | 27,155,000 | 43,598,000 | 58,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 335,562,000 | 350,155,000 | 366,816,000 | 382,347,000 |
| Total capital | 362,072,000 | 376,854,000 | 391,560,000 | 406,928,000 |
| Risk-weighted assets | 3,123,116,000 | 3,368,938,000 | 3,442,693,000 | 3,587,583,000 |