Call reports 2025
1ST FEDERAL SAVINGS BANK OF SC, INC. — 2025
What 1ST FEDERAL SAVINGS BANK OF SC, INC. 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 | 152,704,000 | 153,390,000 | 147,970,000 | 141,788,000 |
| Total loans | 117,650,000 | 119,324,000 | 117,519,000 | 115,928,000 |
| Allowance for loan losses | 956,000 | 950,000 | 951,000 | 905,000 |
| Securities available for sale | 16,597,000 | 15,292,000 | 13,778,000 | 13,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,109,000 | 133,924,000 | 132,121,000 | 126,041,000 |
| Interest-bearing deposits | 107,684,000 | 106,796,000 | 105,434,000 | 100,792,000 |
| Noninterest-bearing deposits | 24,425,000 | 27,128,000 | 26,687,000 | 25,249,000 |
| Equity capital | 12,276,000 | 12,566,000 | 12,985,000 | 13,214,000 |
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 | 1,811,000 | 3,691,000 | 5,610,000 | 7,442,000 |
| Interest expense | 453,000 | 847,000 | 1,206,000 | 1,529,000 |
| Net interest income | 1,358,000 | 2,844,000 | 4,404,000 | 5,913,000 |
| Noninterest income | 158,000 | 331,000 | 494,000 | 647,000 |
| Noninterest expense | 1,338,000 | 2,690,000 | 4,076,000 | 5,506,000 |
| Provision for loan losses | -3,000 | -8,000 | -3,000 | -43,000 |
| Pretax income | 181,000 | 491,000 | 823,000 | 1,091,000 |
| Income tax | 45,000 | 122,000 | 204,000 | 270,000 |
| Net income | 136,000 | 369,000 | 619,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,246,000 | 13,480,000 | 13,729,000 | 13,931,000 |
| Total capital | 14,219,000 | 14,448,000 | 14,677,000 | 14,858,000 |
| Risk-weighted assets | 78,071,000 | 78,055,000 | 75,888,000 | 74,696,000 |