Call reports 2025
FIRST FEDERAL BANK & TRUST — 2025
What FIRST FEDERAL BANK & TRUST 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 | 620,021,000 | 616,380,000 | 611,160,000 | 610,742,000 |
| Total loans | 487,732,000 | 490,970,000 | 487,821,000 | 495,703,000 |
| Allowance for loan losses | 6,733,000 | 6,912,000 | 6,638,000 | 6,658,000 |
| Securities available for sale | 64,599,000 | 62,698,000 | 61,706,000 | 59,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 556,030,000 | 541,844,000 | 544,294,000 | 542,931,000 |
| Interest-bearing deposits | 494,174,000 | 466,570,000 | 471,578,000 | 474,551,000 |
| Noninterest-bearing deposits | 61,856,000 | 75,274,000 | 72,716,000 | 68,380,000 |
| Equity capital | 61,112,000 | 61,721,000 | 63,836,000 | 64,621,000 |
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 | 7,835,000 | 16,082,000 | 24,421,000 | 32,492,000 |
| Interest expense | 3,530,000 | 7,102,000 | 10,433,000 | 13,629,000 |
| Net interest income | 4,305,000 | 8,980,000 | 13,988,000 | 18,863,000 |
| Noninterest income | 405,000 | 872,000 | 1,245,000 | 1,766,000 |
| Noninterest expense | 3,799,000 | 7,838,000 | 11,985,000 | 16,618,000 |
| Provision for loan losses | 413,000 | 656,000 | 940,000 | 1,020,000 |
| Pretax income | 743,000 | 1,564,000 | 2,515,000 | 3,128,000 |
| Income tax | 113,000 | 240,000 | 394,000 | 475,000 |
| Net income | 630,000 | 1,324,000 | 2,121,000 | 2,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,669,000 | 67,363,000 | 68,160,000 | 68,690,000 |
| Total capital | 72,999,000 | 73,703,000 | 74,505,000 | 75,118,000 |
| Risk-weighted assets | 505,791,000 | 506,503,000 | 507,131,000 | 513,828,000 |