Call reports 2025
STATE BANK OF PEARL CITY, THE — 2025
What STATE BANK OF PEARL CITY, THE 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 | 69,865,000 | 72,814,000 | 76,471,000 | 69,434,000 |
| Total loans | 33,087,000 | 32,300,000 | 32,787,000 | 32,062,000 |
| Allowance for loan losses | 779,000 | 746,000 | 725,000 | 625,000 |
| Securities available for sale | 22,967,000 | 23,081,000 | 22,260,000 | 19,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,834,000 | 65,576,000 | 68,886,000 | 61,882,000 |
| Interest-bearing deposits | 50,232,000 | 49,961,000 | 56,720,000 | 49,132,000 |
| Noninterest-bearing deposits | 12,603,000 | 15,615,000 | 12,166,000 | 12,750,000 |
| Equity capital | 6,771,000 | 6,940,000 | 7,318,000 | 7,272,000 |
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 | 933,000 | 1,767,000 | 2,651,000 | 3,613,000 |
| Interest expense | 311,000 | 558,000 | 810,000 | 1,100,000 |
| Net interest income | 622,000 | 1,209,000 | 1,841,000 | 2,513,000 |
| Noninterest income | 8,000 | 22,000 | 35,000 | 54,000 |
| Noninterest expense | 484,000 | 948,000 | 1,400,000 | 1,833,000 |
| Provision for loan losses | 113,000 | 213,000 | 295,000 | 713,000 |
| Pretax income | 33,000 | 70,000 | 181,000 | 21,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 32,000 | 69,000 | 180,000 | 20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,721,000 | 7,733,000 | 7,843,000 | 7,683,000 |