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 | 86,741,000 | 85,799,000 | 84,133,000 | 86,487,000 |
| Total loans | 78,540,000 | 77,669,000 | 76,678,000 | 78,907,000 |
| Allowance for loan losses | 499,000 | 502,000 | 502,000 | 512,000 |
| Securities available for sale | 2,890,000 | 2,737,000 | 2,585,000 | 2,420,000 |
| Securities held to maturity | 64,000 | 63,000 | 61,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,511,000 | 59,458,000 | 57,163,000 | 60,149,000 |
| Interest-bearing deposits | 56,511,000 | 59,458,000 | 57,163,000 | 60,149,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 17,787,000 | 17,860,000 | 17,952,000 | 18,027,000 |
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 | 1,037,000 | 2,066,000 | 3,102,000 | 4,167,000 |
| Interest expense | 554,000 | 1,090,000 | 1,606,000 | 2,108,000 |
| Net interest income | 483,000 | 976,000 | 1,496,000 | 2,059,000 |
| Noninterest income | 0 | -3,000 | -2,000 | -2,000 |
| Noninterest expense | 444,000 | 861,000 | 1,289,000 | 1,749,000 |
| Provision for loan losses | 0 | 3,000 | 3,000 | 13,000 |
| Pretax income | 39,000 | 109,000 | 202,000 | 295,000 |
| Income tax | 13,000 | 32,000 | 55,000 | 78,000 |
| Net income | 26,000 | 77,000 | 147,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,870,000 | 17,921,000 | 17,989,000 | 18,061,000 |