Call reports 2025
WEST POINTE BANK — 2025
What WEST POINTE 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 | 361,758,000 | 368,516,000 | 363,639,000 | 368,821,000 |
| Total loans | 304,607,000 | 315,648,000 | 310,753,000 | 319,199,000 |
| Allowance for loan losses | 4,940,000 | 4,944,000 | 4,920,000 | 5,774,000 |
| Securities available for sale | 29,124,000 | 29,253,000 | 29,818,000 | 29,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,105,000 | 263,776,000 | 257,382,000 | 261,120,000 |
| Interest-bearing deposits | 233,869,000 | 234,619,000 | 228,403,000 | 232,386,000 |
| Noninterest-bearing deposits | 31,236,000 | 29,157,000 | 28,979,000 | 28,734,000 |
| Equity capital | 64,768,000 | 65,949,000 | 67,335,000 | 67,626,000 |
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 | 5,282,000 | 10,825,000 | 16,469,000 | 22,258,000 |
| Interest expense | 2,133,000 | 4,324,000 | 6,476,000 | 8,520,000 |
| Net interest income | 3,149,000 | 6,501,000 | 9,993,000 | 13,738,000 |
| Noninterest income | 277,000 | 478,000 | 696,000 | 923,000 |
| Noninterest expense | 1,710,000 | 3,528,000 | 5,210,000 | 7,246,000 |
| Provision for loan losses | 0 | 0 | 0 | 850,000 |
| Pretax income | 1,716,000 | 3,451,000 | 5,479,000 | 6,565,000 |
| Income tax | 339,000 | 695,000 | 1,122,000 | 1,507,000 |
| Net income | 1,377,000 | 2,756,000 | 4,357,000 | 5,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,286,000 | 66,322,000 | 67,578,000 | 67,878,000 |
| Total capital | 69,057,000 | 70,254,000 | 71,394,000 | 71,785,000 |
| Risk-weighted assets | 300,504,000 | 313,525,000 | 304,158,000 | 310,723,000 |