Call reports 2025
NEW CARLISLE FEDERAL SAVINGS BANK — 2025
What NEW CARLISLE FEDERAL SAVINGS BANK 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 | 286,963,000 | 289,037,000 | 315,600,000 | 314,166,000 |
| Total loans | 245,182,000 | 250,519,000 | 267,608,000 | 275,080,000 |
| Allowance for loan losses | 2,283,000 | 2,207,000 | 2,497,000 | 1,995,000 |
| Securities available for sale | 8,063,000 | 14,194,000 | 15,549,000 | 16,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,992,000 | 218,081,000 | 248,566,000 | 248,238,000 |
| Interest-bearing deposits | 165,532,000 | 176,318,000 | 205,719,000 | 208,048,000 |
| Noninterest-bearing deposits | 45,460,000 | 41,763,000 | 42,847,000 | 40,190,000 |
| Equity capital | 23,566,000 | 24,463,000 | 25,311,000 | 25,951,000 |
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 | 4,160,000 | 8,585,000 | 13,310,000 | 18,310,000 |
| Interest expense | 1,791,000 | 3,687,000 | 5,760,000 | 7,905,000 |
| Net interest income | 2,369,000 | 4,898,000 | 7,550,000 | 10,405,000 |
| Noninterest income | 217,000 | 532,000 | 771,000 | 989,000 |
| Noninterest expense | 1,795,000 | 3,521,000 | 5,231,000 | 7,092,000 |
| Provision for loan losses | 27,000 | 190,000 | 513,000 | 929,000 |
| Pretax income | 747,000 | 1,812,000 | 2,696,000 | 3,482,000 |
| Income tax | 134,000 | 334,000 | 489,000 | 646,000 |
| Net income | 613,000 | 1,478,000 | 2,207,000 | 2,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,681,000 | 24,546,000 | 25,275,000 | 25,904,000 |
| Total capital | 26,123,000 | 26,802,000 | 27,795,000 | 27,932,000 |
| Risk-weighted assets | 244,726,000 | 249,454,000 | 266,836,000 | 270,047,000 |