Call reports 2025
WEST POINT BANK — 2025
What WEST 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 | 535,955,000 | 538,887,000 | 541,990,000 | 552,821,000 |
| Total loans | 421,052,000 | 426,839,000 | 433,870,000 | 438,629,000 |
| Allowance for loan losses | 2,035,000 | 2,180,000 | 2,185,000 | 2,188,000 |
| Securities available for sale | 76,976,000 | 76,729,000 | 77,590,000 | 77,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,822,000 | 448,241,000 | 460,546,000 | 470,947,000 |
| Interest-bearing deposits | 368,617,000 | 368,062,000 | 378,341,000 | 385,894,000 |
| Noninterest-bearing deposits | 78,205,000 | 80,179,000 | 82,205,000 | 85,053,000 |
| Equity capital | 32,966,000 | 34,217,000 | 36,766,000 | 38,729,000 |
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 | 7,831,000 | 15,860,000 | 23,826,000 | 31,921,000 |
| Interest expense | 4,331,000 | 8,596,000 | 12,910,000 | 17,052,000 |
| Net interest income | 3,500,000 | 7,264,000 | 10,916,000 | 14,869,000 |
| Noninterest income | 280,000 | 594,000 | 903,000 | 1,199,000 |
| Noninterest expense | 2,415,000 | 4,706,000 | 6,778,000 | 9,373,000 |
| Provision for loan losses | 7,000 | 156,000 | 159,000 | 159,000 |
| Pretax income | 1,365,000 | 3,003,000 | 4,889,000 | 6,543,000 |
| Income tax | 310,000 | 686,000 | 1,127,000 | 1,489,000 |
| Net income | 1,055,000 | 2,317,000 | 3,762,000 | 5,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,521,000 | 43,657,000 | 44,977,000 | 46,119,000 |
| Total capital | 44,648,000 | 45,930,000 | 47,254,000 | 48,399,000 |
| Risk-weighted assets | 399,207,000 | 402,561,000 | 407,615,000 | 409,789,000 |