Call reports 2025
WARSAW FEDERAL SAVINGS AND LOAN ASSOCIATION — 2025
What WARSAW FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 94,104,000 | 93,352,000 | 101,744,000 | 100,548,000 |
| Total loans | 77,138,000 | 77,441,000 | 75,501,000 | 71,822,000 |
| Allowance for loan losses | 491,000 | 498,000 | 486,000 | 482,000 |
| Securities available for sale | 8,522,000 | 8,382,000 | 8,415,000 | 8,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,763,000 | 63,865,000 | 68,769,000 | 67,377,000 |
| Interest-bearing deposits | 58,422,000 | 58,278,000 | 64,469,000 | 62,693,000 |
| Noninterest-bearing deposits | 6,341,000 | 5,587,000 | 4,300,000 | 4,684,000 |
| Equity capital | 7,793,000 | 7,799,000 | 11,229,000 | 11,403,000 |
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 | 1,115,000 | 2,252,000 | 3,416,000 | 4,576,000 |
| Interest expense | 659,000 | 1,312,000 | 2,004,000 | 2,663,000 |
| Net interest income | 456,000 | 940,000 | 1,412,000 | 1,913,000 |
| Noninterest income | 162,000 | 263,000 | 399,000 | 677,000 |
| Noninterest expense | 644,000 | 1,247,000 | 1,847,000 | 2,504,000 |
| Provision for loan losses | -30,000 | -23,000 | -35,000 | -35,000 |
| Pretax income | 5,000 | -20,000 | 4,000 | 126,000 |
| Income tax | -2,000 | -10,000 | -8,000 | 15,000 |
| Net income | 7,000 | -10,000 | 12,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,040,000 | 9,027,000 | 12,300,000 | 12,403,000 |
| Total capital | 9,544,000 | 9,538,000 | 12,796,000 | 12,895,000 |
| Risk-weighted assets | 60,059,000 | 56,228,000 | 59,733,000 | 55,090,000 |