Call reports 2025
CHARLES SCHWAB BANK, SSB — 2025
What CHARLES SCHWAB BANK, SSB 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 | 260,404,000,000 | 247,664,000,000 | 243,112,000,000 | 253,772,000,000 |
| Total loans | 45,658,000,000 | 48,381,000,000 | 50,951,000,000 | 54,735,000,000 |
| Allowance for loan losses | 21,000,000 | 22,000,000 | 22,000,000 | 36,000,000 |
| Securities available for sale | 64,748,000,000 | 58,063,000,000 | 53,027,000,000 | 53,755,000,000 |
| Securities held to maturity | 122,967,000,000 | 119,346,000,000 | 116,681,000,000 | 114,059,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,880,000,000 | 209,546,000,000 | 214,260,000,000 | 230,499,000,000 |
| Interest-bearing deposits | 219,710,000,000 | 209,185,000,000 | 213,977,000,000 | 230,246,000,000 |
| Noninterest-bearing deposits | 170,000,000 | 361,000,000 | 283,000,000 | 253,000,000 |
| Equity capital | 21,297,000,000 | 21,237,000,000 | 21,328,000,000 | 18,658,000,000 |
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 | 1,537,000,000 | 3,034,000,000 | 4,486,000,000 | 5,957,000,000 |
| Interest expense | 675,000,000 | 1,219,000,000 | 1,679,000,000 | 1,973,000,000 |
| Net interest income | 862,000,000 | 1,815,000,000 | 2,807,000,000 | 3,984,000,000 |
| Noninterest income | 9,000,000 | 15,000,000 | 22,000,000 | 32,000,000 |
| Noninterest expense | 226,000,000 | 445,000,000 | 654,000,000 | 863,000,000 |
| Provision for loan losses | 0 | 1,000,000 | 1,000,000 | 15,000,000 |
| Pretax income | 635,000,000 | 1,344,000,000 | 2,124,000,000 | 3,058,000,000 |
| Income tax | 141,000,000 | 304,000,000 | 444,000,000 | 654,000,000 |
| Net income | 494,000,000 | 1,040,000,000 | 1,680,000,000 | 2,404,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,078,000,000 | 32,114,000,000 | 31,514,000,000 | 28,126,000,000 |
| Total capital | 33,100,000,000 | 32,137,000,000 | 31,537,000,000 | 28,163,000,000 |
| Risk-weighted assets | 76,263,000,000 | 76,495,000,000 | 77,218,000,000 | 78,281,000,000 |