Call reports 2025
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN — 2025
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN 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 | 507,698,000 | 532,208,000 | 562,896,000 | 573,099,000 |
| Total loans | 360,755,000 | 388,924,000 | 433,590,000 | 448,782,000 |
| Allowance for loan losses | 1,661,000 | 1,659,000 | 1,740,000 | 1,795,000 |
| Securities available for sale | 86,380,000 | 75,619,000 | 70,228,000 | 69,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,241,000 | 457,118,000 | 486,633,000 | 506,202,000 |
| Interest-bearing deposits | 377,945,000 | 418,229,000 | 449,147,000 | 467,618,000 |
| Noninterest-bearing deposits | 41,296,000 | 38,889,000 | 37,486,000 | 38,584,000 |
| Equity capital | 50,961,000 | 51,329,000 | 52,293,000 | 53,013,000 |
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 | 4,618,000 | 9,691,000 | 15,221,000 | 20,993,000 |
| Interest expense | 2,600,000 | 5,292,000 | 8,216,000 | 11,170,000 |
| Net interest income | 2,018,000 | 4,399,000 | 7,005,000 | 9,823,000 |
| Noninterest income | 546,000 | 1,119,000 | 1,683,000 | 2,227,000 |
| Noninterest expense | 3,111,000 | 6,266,000 | 9,421,000 | 12,701,000 |
| Provision for loan losses | -30,000 | -94,000 | -74,000 | -61,000 |
| Pretax income | -517,000 | -656,000 | -661,000 | -592,000 |
| Income tax | -132,000 | -176,000 | -207,000 | -231,000 |
| Net income | -385,000 | -480,000 | -454,000 | -361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,620,000 | 59,524,000 | 59,550,000 | 59,644,000 |
| Total capital | 61,320,000 | 61,224,000 | 61,331,000 | 61,480,000 |
| Risk-weighted assets | 249,789,000 | 265,963,000 | 288,135,000 | 293,770,000 |