Call reports 2025
PRESIDENTIAL BANK, FSB — 2025
What PRESIDENTIAL BANK, FSB 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 | 956,132,000 | 1,018,491,000 | 1,037,879,000 | 1,057,047,000 |
| Total loans | 769,820,000 | 839,085,000 | 799,543,000 | 785,962,000 |
| Allowance for loan losses | 7,676,000 | 7,382,000 | 7,157,000 | 7,134,000 |
| Securities available for sale | 40,651,000 | 39,033,000 | 38,000,000 | 41,926,000 |
| Securities held to maturity | 18,947,000 | 18,958,000 | 17,500,000 | 16,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 847,723,000 | 902,168,000 | 927,105,000 | 944,877,000 |
| Interest-bearing deposits | 820,874,000 | 876,699,000 | 900,310,000 | 919,284,000 |
| Noninterest-bearing deposits | 26,849,000 | 25,469,000 | 26,795,000 | 25,593,000 |
| Equity capital | 87,265,000 | 89,643,000 | 90,276,000 | 91,015,000 |
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 | 13,828,000 | 28,489,000 | 43,982,000 | 59,364,000 |
| Interest expense | 6,596,000 | 13,584,000 | 21,297,000 | 28,943,000 |
| Net interest income | 7,232,000 | 14,905,000 | 22,685,000 | 30,421,000 |
| Noninterest income | 6,815,000 | 16,315,000 | 23,447,000 | 30,903,000 |
| Noninterest expense | 12,477,000 | 26,431,000 | 40,243,000 | 53,864,000 |
| Provision for loan losses | 692,000 | 904,000 | 1,195,000 | 1,424,000 |
| Pretax income | 854,000 | 3,961,000 | 4,435,000 | 5,766,000 |
| Income tax | 153,000 | 896,000 | 994,000 | 1,296,000 |
| Net income | 701,000 | 3,065,000 | 3,441,000 | 4,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,270,000 | 92,001,000 | 92,552,000 | 93,269,000 |
| Total capital | 98,091,000 | 100,434,000 | 101,110,000 | 101,822,000 |
| Risk-weighted assets | 712,372,000 | 745,488,000 | 733,000,000 | 719,637,000 |