Call reports 2025
PIEDMONT FEDERAL SAVINGS BANK — 2025
What PIEDMONT FEDERAL SAVINGS 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 | 1,277,019,000 | 1,283,097,000 | 1,286,357,000 | 1,295,729,000 |
| Total loans | 826,378,000 | 823,298,000 | 853,272,000 | 872,448,000 |
| Allowance for loan losses | 6,406,000 | 6,406,000 | 6,559,000 | 6,676,000 |
| Securities available for sale | 249,891,000 | 248,796,000 | 248,773,000 | 238,778,000 |
| Securities held to maturity | 21,429,000 | 20,416,000 | 19,449,000 | 18,397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 942,006,000 | 945,055,000 | 950,185,000 | 954,994,000 |
| Interest-bearing deposits | 908,289,000 | 907,067,000 | 937,274,000 | 918,992,000 |
| Noninterest-bearing deposits | 33,717,000 | 37,988,000 | 12,911,000 | 36,002,000 |
| Equity capital | 232,602,000 | 234,630,000 | 237,064,000 | 239,669,000 |
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 | 12,951,000 | 26,089,000 | 39,285,000 | 52,696,000 |
| Interest expense | 7,057,000 | 13,854,000 | 20,450,000 | 27,073,000 |
| Net interest income | 5,894,000 | 12,235,000 | 18,835,000 | 25,623,000 |
| Noninterest income | 818,000 | 1,790,000 | 2,685,000 | 3,657,000 |
| Noninterest expense | 6,239,000 | 13,195,000 | 20,151,000 | 27,081,000 |
| Provision for loan losses | 60,000 | 60,000 | 210,000 | 335,000 |
| Pretax income | 350,000 | 707,000 | 1,116,000 | 1,821,000 |
| Income tax | -40,000 | -99,000 | -42,000 | 82,000 |
| Net income | 390,000 | 806,000 | 1,158,000 | 1,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 243,848,000 | 244,348,000 | 244,783,000 | 245,443,000 |