Call reports 2025
FIRST FEDERAL SAVINGS BANK OF LINCOLNTON — 2025
What FIRST FEDERAL SAVINGS BANK OF LINCOLNTON 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 | 481,674,000 | 485,950,000 | 472,367,000 | 477,003,000 |
| Total loans | 343,544,000 | 349,354,000 | 349,379,000 | 351,416,000 |
| Allowance for loan losses | 3,643,000 | 3,640,000 | 3,634,000 | 3,638,000 |
| Securities available for sale | 86,692,000 | 86,609,000 | 86,120,000 | 77,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,775,000 | 394,544,000 | 379,584,000 | 383,079,000 |
| Interest-bearing deposits | 342,664,000 | 350,853,000 | 338,866,000 | 345,829,000 |
| Noninterest-bearing deposits | 42,111,000 | 43,691,000 | 40,718,000 | 37,250,000 |
| Equity capital | 76,967,000 | 78,474,000 | 79,900,000 | 80,998,000 |
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 | 5,317,000 | 10,806,000 | 16,339,000 | 21,812,000 |
| Interest expense | 2,114,000 | 4,154,000 | 6,151,000 | 8,154,000 |
| Net interest income | 3,203,000 | 6,652,000 | 10,188,000 | 13,658,000 |
| Noninterest income | 67,000 | 203,000 | 310,000 | 455,000 |
| Noninterest expense | 2,485,000 | 4,836,000 | 7,300,000 | 10,064,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 785,000 | 2,019,000 | 3,198,000 | 4,057,000 |
| Income tax | 175,000 | 416,000 | 658,000 | 835,000 |
| Net income | 610,000 | 1,603,000 | 2,540,000 | 3,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,508,000 | 82,500,000 | 83,437,000 | 84,118,000 |
| Total capital | 84,533,000 | 85,562,000 | 86,507,000 | 87,186,000 |
| Risk-weighted assets | 241,024,000 | 243,989,000 | 244,659,000 | 244,498,000 |