Call reports 2025
UNITED ROOSEVELT SAVINGS BANK — 2025
What UNITED ROOSEVELT 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 | 317,893,000 | 325,212,000 | 352,520,000 | 367,874,000 |
| Total loans | 255,362,000 | 262,718,000 | 284,552,000 | 302,716,000 |
| Allowance for loan losses | 1,454,000 | 1,648,000 | 1,951,000 | 2,277,000 |
| Securities available for sale | 15,820,000 | 21,162,000 | 25,644,000 | 25,834,000 |
| Securities held to maturity | 17,155,000 | 15,141,000 | 14,125,000 | 12,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,895,000 | 256,052,000 | 274,489,000 | 292,351,000 |
| Interest-bearing deposits | 242,798,000 | 248,138,000 | 264,400,000 | 281,023,000 |
| Noninterest-bearing deposits | 8,097,000 | 7,914,000 | 10,089,000 | 11,328,000 |
| Equity capital | 24,124,000 | 24,711,000 | 25,101,000 | 26,072,000 |
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 | 4,041,000 | 8,282,000 | 12,822,000 | 17,617,000 |
| Interest expense | 1,941,000 | 4,061,000 | 6,305,000 | 8,682,000 |
| Net interest income | 2,100,000 | 4,221,000 | 6,517,000 | 8,935,000 |
| Noninterest income | 64,000 | 140,000 | 216,000 | 334,000 |
| Noninterest expense | 1,751,000 | 3,566,000 | 5,392,000 | 7,216,000 |
| Provision for loan losses | 1,000 | 195,000 | 498,000 | 853,000 |
| Pretax income | 323,000 | 507,000 | 754,000 | 1,067,000 |
| Income tax | 118,000 | 155,000 | 199,000 | 260,000 |
| Net income | 205,000 | 352,000 | 555,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,541,000 | 26,087,000 | 26,290,000 | 26,542,000 |
| Total capital | 27,096,000 | 27,842,000 | 28,343,000 | 28,909,000 |
| Risk-weighted assets | 215,444,000 | 219,211,000 | 237,007,000 | 249,562,000 |