Call reports 2025
ELIZABETHTON FEDERAL SAVINGS BANK — 2025
What ELIZABETHTON FEDERAL SAVINGS 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 | 315,471,000 | 316,726,000 | 320,053,000 | 318,795,000 |
| Total loans | 160,373,000 | 163,353,000 | 169,256,000 | 174,284,000 |
| Allowance for loan losses | 1,495,000 | 1,495,000 | 1,495,000 | 1,495,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 123,365,000 | 116,919,000 | 109,195,000 | 106,801,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,877,000 | 182,361,000 | 184,459,000 | 182,524,000 |
| Interest-bearing deposits | 178,754,000 | 178,922,000 | 180,644,000 | 179,475,000 |
| Noninterest-bearing deposits | 3,123,000 | 3,439,000 | 3,815,000 | 3,049,000 |
| Equity capital | 132,635,000 | 133,476,000 | 134,389,000 | 135,376,000 |
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 | 2,935,000 | 6,057,000 | 9,345,000 | 12,708,000 |
| Interest expense | 877,000 | 1,750,000 | 2,632,000 | 3,531,000 |
| Net interest income | 2,058,000 | 4,307,000 | 6,713,000 | 9,177,000 |
| Noninterest income | 106,000 | 248,000 | 367,000 | 456,000 |
| Noninterest expense | 1,079,000 | 2,232,000 | 3,406,000 | 4,648,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 1,025,000 | 2,263,000 | 3,614,000 | 4,925,000 |
| Income tax | 362,000 | 758,000 | 1,196,000 | 1,520,000 |
| Net income | 663,000 | 1,505,000 | 2,418,000 | 3,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 132,635,000 | 133,476,000 | 134,389,000 | 135,376,000 |