Call reports 2025
PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION — 2025
What PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION 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 | 129,507,000 | 130,944,000 | 132,850,000 | 134,612,000 |
| Total loans | 76,981,000 | 79,520,000 | 82,796,000 | 84,057,000 |
| Allowance for loan losses | 823,000 | 823,000 | 811,000 | 811,000 |
| Securities available for sale | 33,240,000 | 33,156,000 | 33,069,000 | 34,848,000 |
| Securities held to maturity | 2,588,000 | 2,591,000 | 2,165,000 | 2,158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,254,000 | 114,079,000 | 115,019,000 | 114,456,000 |
| Interest-bearing deposits | 106,204,000 | 107,651,000 | 108,890,000 | 108,346,000 |
| Noninterest-bearing deposits | 6,050,000 | 6,428,000 | 6,129,000 | 6,110,000 |
| Equity capital | 11,595,000 | 11,506,000 | 12,334,000 | 12,809,000 |
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 | 1,378,000 | 2,813,000 | 4,328,000 | 5,886,000 |
| Interest expense | 516,000 | 1,056,000 | 1,626,000 | 2,212,000 |
| Net interest income | 862,000 | 1,757,000 | 2,702,000 | 3,674,000 |
| Noninterest income | 84,000 | 164,000 | 242,000 | 322,000 |
| Noninterest expense | 789,000 | 1,528,000 | 2,311,000 | 3,112,000 |
| Provision for loan losses | -7,000 | -7,000 | -20,000 | -20,000 |
| Pretax income | 157,000 | 299,000 | 538,000 | 789,000 |
| Income tax | 17,000 | 40,000 | 80,000 | 123,000 |
| Net income | 140,000 | 259,000 | 458,000 | 666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,180,000 | 14,299,000 | 14,497,000 | 14,705,000 |
| Total capital | 14,991,000 | 15,125,000 | 15,354,000 | 15,564,000 |
| Risk-weighted assets | 64,785,000 | 66,040,000 | 68,516,000 | 68,731,000 |