Call reports 2025
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK — 2025
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF NEWARK 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 | 290,875,000 | 292,579,000 | 293,693,000 | 295,454,000 |
| Total loans | 208,791,000 | 215,451,000 | 212,115,000 | 213,952,000 |
| Allowance for loan losses | 1,403,000 | 1,439,000 | 1,411,000 | 1,420,000 |
| Securities available for sale | 17,465,000 | 17,174,000 | 17,020,000 | 16,859,000 |
| Securities held to maturity | 28,580,000 | 28,161,000 | 27,235,000 | 26,860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,034,000 | 251,629,000 | 253,059,000 | 254,756,000 |
| Interest-bearing deposits | 235,020,000 | 232,913,000 | 235,705,000 | 235,118,000 |
| Noninterest-bearing deposits | 16,014,000 | 18,716,000 | 17,354,000 | 19,638,000 |
| Equity capital | 37,710,000 | 38,015,000 | 38,547,000 | 39,032,000 |
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 | 3,691,000 | 7,506,000 | 11,328,000 | 15,218,000 |
| Interest expense | 1,897,000 | 3,768,000 | 5,612,000 | 7,383,000 |
| Net interest income | 1,794,000 | 3,738,000 | 5,716,000 | 7,835,000 |
| Noninterest income | 253,000 | 495,000 | 824,000 | 1,090,000 |
| Noninterest expense | 1,875,000 | 3,748,000 | 5,688,000 | 7,657,000 |
| Provision for loan losses | 26,000 | 63,000 | 35,000 | 45,000 |
| Pretax income | 140,000 | 390,000 | 793,000 | 1,216,000 |
| Income tax | 18,000 | 59,000 | 130,000 | 207,000 |
| Net income | 122,000 | 331,000 | 663,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,834,000 | 40,045,000 | 40,375,000 | 40,722,000 |