Call reports 2025
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION — 2025
What FIRST 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 | 39,788,000 | 40,549,000 | 41,445,000 | 40,359,000 |
| Total loans | 35,860,000 | 35,972,000 | 36,808,000 | 36,706,000 |
| Allowance for loan losses | 442,000 | 445,000 | 448,000 | 450,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,702,000 | 28,307,000 | 29,025,000 | 29,625,000 |
| Interest-bearing deposits | 27,525,000 | 28,186,000 | 28,972,000 | 29,449,000 |
| Noninterest-bearing deposits | 177,000 | 121,000 | 53,000 | 176,000 |
| Equity capital | 10,368,000 | 10,470,000 | 10,570,000 | 10,540,000 |
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 | 577,000 | 1,180,000 | 1,765,000 | 2,344,000 |
| Interest expense | 228,000 | 460,000 | 688,000 | 904,000 |
| Net interest income | 349,000 | 720,000 | 1,077,000 | 1,440,000 |
| Noninterest income | 10,000 | 28,000 | 45,000 | 54,000 |
| Noninterest expense | 323,000 | 658,000 | 997,000 | 1,352,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 33,000 | 84,000 | 116,000 | 130,000 |
| Income tax | 7,000 | 18,000 | 25,000 | 35,000 |
| Net income | 26,000 | 66,000 | 91,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,368,000 | 10,470,000 | 10,570,000 | 10,540,000 |
| Total capital | 10,699,000 | 10,802,000 | 10,912,000 | 10,876,000 |
| Risk-weighted assets | 26,404,000 | 26,408,000 | 27,237,000 | 26,810,000 |