Call reports 2025
FIRST FEDERAL BANK — 2025
What FIRST FEDERAL BANK 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 | 262,637,000 | 262,697,000 | 261,738,000 | 271,878,000 |
| Total loans | 186,934,000 | 189,955,000 | 195,968,000 | 197,313,000 |
| Allowance for loan losses | 1,868,000 | 2,044,000 | 2,045,000 | 1,533,000 |
| Securities available for sale | 47,403,000 | 45,957,000 | 46,650,000 | 46,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,991,000 | 241,048,000 | 238,188,000 | 247,472,000 |
| Interest-bearing deposits | 181,821,000 | 181,142,000 | 179,053,000 | 186,350,000 |
| Noninterest-bearing deposits | 58,170,000 | 59,906,000 | 59,135,000 | 61,122,000 |
| Equity capital | 16,554,000 | 15,681,000 | 17,477,000 | 18,197,000 |
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 | 2,750,000 | 5,631,000 | 8,609,000 | 11,653,000 |
| Interest expense | 922,000 | 1,836,000 | 2,748,000 | 3,678,000 |
| Net interest income | 1,828,000 | 3,795,000 | 5,861,000 | 7,975,000 |
| Noninterest income | 243,000 | 491,000 | 742,000 | 992,000 |
| Noninterest expense | 1,903,000 | 3,885,000 | 5,873,000 | 7,883,000 |
| Provision for loan losses | 0 | 189,000 | 189,000 | 151,000 |
| Pretax income | 168,000 | 212,000 | 541,000 | 895,000 |
| Income tax | 45,000 | -68,000 | 21,000 | 117,000 |
| Net income | 123,000 | 280,000 | 520,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,836,000 | 24,991,000 | 25,232,000 | 25,490,000 |
| Total capital | 26,704,000 | 26,955,000 | 27,255,000 | 27,194,000 |
| Risk-weighted assets | 155,302,000 | 157,057,000 | 161,895,000 | 162,893,000 |