Call reports 2025
EL DORADO SAVINGS BANK, F.S.B. — 2025
What EL DORADO SAVINGS BANK, F.S.B. 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 | 2,451,708,000 | 2,472,484,000 | 2,483,284,000 | 2,474,106,000 |
| Total loans | 524,692,000 | 524,188,000 | 519,049,000 | 509,647,000 |
| Allowance for loan losses | 5,961,000 | 5,995,000 | 5,968,000 | 5,952,000 |
| Securities available for sale | 317,000 | 306,000 | 294,000 | 284,000 |
| Securities held to maturity | 1,222,773,000 | 1,206,541,000 | 1,192,611,000 | 1,247,123,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,125,134,000 | 2,144,175,000 | 2,148,225,000 | 2,135,407,000 |
| Interest-bearing deposits | 1,789,635,000 | 1,813,655,000 | 1,809,474,000 | 1,812,187,000 |
| Noninterest-bearing deposits | 335,499,000 | 330,520,000 | 338,751,000 | 323,220,000 |
| Equity capital | 313,793,000 | 318,191,000 | 323,152,000 | 327,815,000 |
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 | 20,321,000 | 41,707,000 | 63,865,000 | 85,396,000 |
| Interest expense | 4,852,000 | 10,203,000 | 15,899,000 | 21,594,000 |
| Net interest income | 15,469,000 | 31,504,000 | 47,966,000 | 63,802,000 |
| Noninterest income | 1,930,000 | 3,945,000 | 5,986,000 | 8,086,000 |
| Noninterest expense | 10,098,000 | 20,217,000 | 30,659,000 | 41,028,000 |
| Provision for loan losses | 0 | 61,000 | 61,000 | 61,000 |
| Pretax income | 7,326,000 | 15,210,000 | 23,292,000 | 30,873,000 |
| Income tax | 1,664,000 | 3,486,000 | 5,366,000 | 7,012,000 |
| Net income | 5,662,000 | 11,724,000 | 17,926,000 | 23,861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 307,384,000 | 311,776,000 | 316,620,000 | 321,116,000 |
| Total capital | 313,504,000 | 317,930,000 | 322,747,000 | 327,227,000 |
| Risk-weighted assets | 612,257,000 | 608,305,000 | 602,253,000 | 608,480,000 |