Call reports 2025
FIRST FEDERAL SAVINGS BANK — 2025
What FIRST 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 | 605,103,000 | 605,115,000 | 608,560,000 | 605,018,000 |
| Total loans | 455,500,000 | 451,338,000 | 453,418,000 | 454,129,000 |
| Allowance for loan losses | 4,958,000 | 4,897,000 | 4,864,000 | 4,945,000 |
| Securities available for sale | 88,004,000 | 87,115,000 | 88,774,000 | 89,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,301,000 | 491,604,000 | 492,400,000 | 487,566,000 |
| Interest-bearing deposits | 446,975,000 | 458,218,000 | 454,292,000 | 450,273,000 |
| Noninterest-bearing deposits | 37,326,000 | 33,386,000 | 38,108,000 | 37,293,000 |
| Equity capital | 49,108,000 | 49,532,000 | 51,812,000 | 53,681,000 |
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 | 7,381,000 | 14,864,000 | 22,605,000 | 30,411,000 |
| Interest expense | 3,550,000 | 7,147,000 | 10,713,000 | 14,234,000 |
| Net interest income | 3,831,000 | 7,717,000 | 11,892,000 | 16,177,000 |
| Noninterest income | 755,000 | 1,651,000 | 2,645,000 | 3,723,000 |
| Noninterest expense | 4,392,000 | 8,830,000 | 13,336,000 | 17,847,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 194,000 | 538,000 | 1,201,000 | 2,053,000 |
| Income tax | -84,000 | -146,000 | -142,000 | -162,000 |
| Net income | 278,000 | 684,000 | 1,343,000 | 2,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,165,000 | 53,417,000 | 53,754,000 | 54,312,000 |
| Total capital | 58,465,000 | 58,616,000 | 58,920,000 | 59,530,000 |
| Risk-weighted assets | 432,509,000 | 422,251,000 | 420,434,000 | 417,437,000 |