Call reports 2025
BREDA SAVINGS BANK — 2025
What BREDA 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 | 96,849,000 | 97,176,000 | 98,536,000 | 99,970,000 |
| Total loans | 58,808,000 | 58,482,000 | 60,639,000 | 60,391,000 |
| Allowance for loan losses | 444,000 | 450,000 | 467,000 | 461,000 |
| Securities available for sale | 32,041,000 | 28,938,000 | 31,442,000 | 33,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,046,000 | 77,632,000 | 77,744,000 | 79,109,000 |
| Interest-bearing deposits | 62,295,000 | 60,740,000 | 57,881,000 | 56,021,000 |
| Noninterest-bearing deposits | 18,751,000 | 16,892,000 | 19,863,000 | 23,088,000 |
| Equity capital | 6,717,000 | 6,942,000 | 7,988,000 | 7,759,000 |
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 | 1,176,000 | 2,347,000 | 3,635,000 | 4,912,000 |
| Interest expense | 533,000 | 1,050,000 | 1,577,000 | 2,096,000 |
| Net interest income | 643,000 | 1,297,000 | 2,058,000 | 2,816,000 |
| Noninterest income | 124,000 | 240,000 | 428,000 | 579,000 |
| Noninterest expense | 451,000 | 856,000 | 1,313,000 | 1,822,000 |
| Provision for loan losses | 3,000 | 9,000 | 26,000 | 20,000 |
| Pretax income | 313,000 | 499,000 | 974,000 | 1,380,000 |
| Income tax | 0 | 17,000 | 24,000 | 32,000 |
| Net income | 313,000 | 482,000 | 950,000 | 1,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,838,000 | 11,008,000 | 11,475,000 | 10,873,000 |