Call reports 2025
SAVERS CO-OPERATIVE BANK — 2025
What SAVERS CO-OPERATIVE 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 | 777,837,000 | 787,505,000 | 794,554,000 | 790,358,000 |
| Total loans | 592,629,000 | 615,393,000 | 618,081,000 | 616,756,000 |
| Allowance for loan losses | 5,201,000 | 7,272,000 | 7,337,000 | 8,185,000 |
| Securities available for sale | 119,136,000 | 123,623,000 | 123,415,000 | 119,998,000 |
| Securities held to maturity | 380,000 | 368,000 | 357,000 | 331,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 566,475,000 | 553,795,000 | 571,027,000 | 554,620,000 |
| Interest-bearing deposits | 469,333,000 | 464,568,000 | 483,325,000 | 468,617,000 |
| Noninterest-bearing deposits | 97,142,000 | 89,227,000 | 87,702,000 | 86,003,000 |
| Equity capital | 77,064,000 | 75,844,000 | 79,739,000 | 79,341,000 |
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 | 8,925,000 | 17,992,000 | 27,689,000 | 37,204,000 |
| Interest expense | 3,974,000 | 7,980,000 | 12,190,000 | 16,215,000 |
| Net interest income | 4,951,000 | 10,012,000 | 15,499,000 | 20,989,000 |
| Noninterest income | 800,000 | 1,704,000 | 2,624,000 | 3,477,000 |
| Noninterest expense | 4,398,000 | 8,885,000 | 13,388,000 | 17,818,000 |
| Provision for loan losses | 24,000 | 2,204,000 | 2,308,000 | 5,238,000 |
| Pretax income | 1,348,000 | 688,000 | 2,470,000 | 1,462,000 |
| Income tax | 293,000 | 55,000 | 487,000 | 137,000 |
| Net income | 1,055,000 | 633,000 | 1,983,000 | 1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,947,000 | 87,467,000 | 88,797,000 | 88,145,000 |