Call reports 2025
WORTHINGTON FEDERAL SAVINGS BANK, F.S.B. — 2025
What WORTHINGTON FEDERAL SAVINGS BANK, F.S.B. 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 | 105,648,000 | 106,325,000 | 132,692,000 | 132,936,000 |
| Total loans | 71,341,000 | 74,017,000 | 89,359,000 | 88,878,000 |
| Allowance for loan losses | 400,000 | 410,000 | 503,000 | 518,000 |
| Securities available for sale | 14,914,000 | 14,467,000 | 14,888,000 | 14,923,000 |
| Securities held to maturity | 20,000 | 18,000 | 16,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,987,000 | 87,162,000 | 107,904,000 | 107,859,000 |
| Interest-bearing deposits | 81,090,000 | 82,229,000 | 101,877,000 | 101,929,000 |
| Noninterest-bearing deposits | 4,897,000 | 4,933,000 | 6,027,000 | 5,930,000 |
| Equity capital | 13,569,000 | 13,808,000 | 19,271,000 | 19,460,000 |
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 | 1,105,000 | 2,272,000 | 3,596,000 | 5,168,000 |
| Interest expense | 544,000 | 1,072,000 | 1,655,000 | 2,305,000 |
| Net interest income | 561,000 | 1,200,000 | 1,941,000 | 2,863,000 |
| Noninterest income | 25,000 | 54,000 | 462,000 | 512,000 |
| Noninterest expense | 522,000 | 1,078,000 | 1,650,000 | 2,417,000 |
| Provision for loan losses | 0 | 10,000 | 25,000 | 40,000 |
| Pretax income | 64,000 | 166,000 | 728,000 | 775,000 |
| Income tax | 20,000 | 47,000 | 97,000 | 78,000 |
| Net income | 44,000 | 119,000 | 631,000 | 697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,659,000 | 14,734,000 | 19,505,000 | 19,605,000 |
| Total capital | 15,059,000 | 15,144,000 | 20,008,000 | 20,123,000 |
| Risk-weighted assets | 44,998,000 | 45,953,000 | 60,659,000 | 61,636,000 |