Call reports 2025
VOLUNTEER FEDERAL SAVINGS BANK — 2025
What VOLUNTEER 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 | 363,314,000 | 373,745,000 | 375,996,000 | 387,496,000 |
| Total loans | 232,685,000 | 238,800,000 | 242,498,000 | 247,851,000 |
| Allowance for loan losses | 1,277,000 | 1,280,000 | 1,382,000 | 1,276,000 |
| Securities available for sale | 68,951,000 | 70,106,000 | 72,584,000 | 73,157,000 |
| Securities held to maturity | 14,905,000 | 12,886,000 | 11,357,000 | 10,855,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,239,000 | 334,635,000 | 334,779,000 | 344,732,000 |
| Interest-bearing deposits | 268,417,000 | 277,571,000 | 277,037,000 | 284,648,000 |
| Noninterest-bearing deposits | 56,822,000 | 57,064,000 | 57,742,000 | 60,084,000 |
| Equity capital | 35,244,000 | 36,102,000 | 38,263,000 | 39,438,000 |
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 | 3,868,000 | 7,967,000 | 12,197,000 | 16,567,000 |
| Interest expense | 1,423,000 | 2,865,000 | 4,308,000 | 5,747,000 |
| Net interest income | 2,445,000 | 5,102,000 | 7,889,000 | 10,820,000 |
| Noninterest income | 575,000 | 1,176,000 | 2,040,000 | 2,621,000 |
| Noninterest expense | 2,307,000 | 4,552,000 | 6,975,000 | 9,504,000 |
| Provision for loan losses | 150,000 | 150,000 | 253,000 | 157,000 |
| Pretax income | 563,000 | 1,576,000 | 2,685,000 | 3,771,000 |
| Income tax | 87,000 | 315,000 | 481,000 | 713,000 |
| Net income | 476,000 | 1,261,000 | 2,204,000 | 3,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,212,000 | 40,996,000 | 41,940,000 | 42,794,000 |
| Total capital | 41,530,000 | 42,317,000 | 43,381,000 | 44,123,000 |
| Risk-weighted assets | 188,762,000 | 193,766,000 | 194,160,000 | 192,263,000 |