Call reports 2025
PAPER CITY SAVINGS BANK, S.A. — 2025
What PAPER CITY SAVINGS BANK, S.A. 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 | 214,057,000 | 216,621,000 | 215,875,000 | 213,314,000 |
| Total loans | 187,243,000 | 186,469,000 | 185,749,000 | 189,115,000 |
| Allowance for loan losses | 1,500,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Securities available for sale | 7,706,000 | 7,396,000 | 7,119,000 | 6,839,000 |
| Securities held to maturity | 1,730,000 | 1,730,000 | 1,730,000 | 1,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,297,000 | 171,035,000 | 173,309,000 | 172,622,000 |
| Interest-bearing deposits | 141,503,000 | 148,319,000 | 148,798,000 | 146,594,000 |
| Noninterest-bearing deposits | 21,794,000 | 22,716,000 | 24,511,000 | 26,028,000 |
| Equity capital | 30,764,000 | 31,251,000 | 31,954,000 | 32,543,000 |
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 | 2,689,000 | 5,498,000 | 8,369,000 | 11,263,000 |
| Interest expense | 1,031,000 | 2,010,000 | 2,918,000 | 3,782,000 |
| Net interest income | 1,658,000 | 3,488,000 | 5,451,000 | 7,481,000 |
| Noninterest income | 397,000 | 722,000 | 1,149,000 | 1,513,000 |
| Noninterest expense | 1,677,000 | 3,280,000 | 4,915,000 | 6,618,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 378,000 | 930,000 | 1,685,000 | 2,376,000 |
| Income tax | 83,000 | 195,000 | 314,000 | 459,000 |
| Net income | 295,000 | 735,000 | 1,371,000 | 1,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,279,000 | 31,720,000 | 32,356,000 | 32,902,000 |
| Total capital | 32,793,000 | 33,235,000 | 33,871,000 | 34,417,000 |
| Risk-weighted assets | 155,049,000 | 155,386,000 | 155,323,000 | 158,424,000 |