Call reports 2025
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH — 2025
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH 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 | 186,509,000 | 185,573,000 | 186,366,000 | 186,457,000 |
| Total loans | 144,596,000 | 146,916,000 | 148,387,000 | 148,569,000 |
| Allowance for loan losses | 1,959,000 | 1,947,000 | 1,950,000 | 1,882,000 |
| Securities available for sale | 16,667,000 | 13,389,000 | 13,986,000 | 14,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,798,000 | 139,676,000 | 145,322,000 | 139,735,000 |
| Interest-bearing deposits | 130,948,000 | 126,932,000 | 131,514,000 | 126,459,000 |
| Noninterest-bearing deposits | 12,850,000 | 12,744,000 | 13,808,000 | 13,276,000 |
| Equity capital | 27,465,000 | 27,646,000 | 27,930,000 | 28,365,000 |
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 | 2,053,000 | 4,149,000 | 6,300,000 | 8,493,000 |
| Interest expense | 618,000 | 1,207,000 | 1,776,000 | 2,319,000 |
| Net interest income | 1,435,000 | 2,942,000 | 4,524,000 | 6,174,000 |
| Noninterest income | 170,000 | 370,000 | 568,000 | 775,000 |
| Noninterest expense | 1,519,000 | 3,032,000 | 4,512,000 | 6,221,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | -73,000 |
| Pretax income | 84,000 | 278,000 | 578,000 | 736,000 |
| Income tax | 20,000 | 61,000 | 124,000 | 190,000 |
| Net income | 64,000 | 217,000 | 454,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,836,000 | 26,989,000 | 27,226,000 | 27,318,000 |
| Total capital | 28,140,000 | 28,299,000 | 28,548,000 | 28,657,000 |
| Risk-weighted assets | 103,681,000 | 104,166,000 | 105,177,000 | 106,573,000 |