Call reports 2025
SCALE BANK — 2025
What SCALE 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 | 524,035,000 | 519,985,000 | 553,536,000 | 564,303,000 |
| Total loans | 362,237,000 | 381,001,000 | 404,332,000 | 452,980,000 |
| Allowance for loan losses | 4,020,000 | 3,851,000 | 3,956,000 | 3,972,000 |
| Securities available for sale | 50,399,000 | 48,209,000 | 51,589,000 | 50,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,288,000 | 400,638,000 | 431,356,000 | 423,680,000 |
| Interest-bearing deposits | 251,974,000 | 242,142,000 | 268,855,000 | 274,301,000 |
| Noninterest-bearing deposits | 154,314,000 | 158,496,000 | 162,501,000 | 149,379,000 |
| Equity capital | 109,520,000 | 111,187,000 | 113,371,000 | 113,218,000 |
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 | 8,464,000 | 17,227,000 | 26,201,000 | 37,784,000 |
| Interest expense | 1,494,000 | 3,022,000 | 4,533,000 | 6,182,000 |
| Net interest income | 6,970,000 | 14,205,000 | 21,668,000 | 31,602,000 |
| Noninterest income | 602,000 | 1,122,000 | 1,714,000 | 2,258,000 |
| Noninterest expense | 5,100,000 | 9,901,000 | 14,967,000 | 21,506,000 |
| Provision for loan losses | 281,000 | 281,000 | 456,000 | 556,000 |
| Pretax income | 2,222,000 | 5,179,000 | 8,017,000 | 11,860,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,222,000 | 5,179,000 | 8,017,000 | 11,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,652,000 | 81,442,000 | 83,098,000 | 71,443,000 |