Call reports 2025
UNION FEDERAL SAVINGS AND LOAN ASSOCIATION — 2025
What UNION 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 | 148,512,000 | 145,589,000 | 145,187,000 | 144,903,000 |
| Total loans | 125,104,000 | 123,112,000 | 121,388,000 | 119,732,000 |
| Allowance for loan losses | 1,473,000 | 1,417,000 | 1,448,000 | 1,472,000 |
| Securities available for sale | 4,808,000 | 4,604,000 | 4,662,000 | 4,480,000 |
| Securities held to maturity | 917,000 | 917,000 | 904,000 | 844,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,424,000 | 121,342,000 | 120,857,000 | 120,383,000 |
| Interest-bearing deposits | 120,836,000 | 117,384,000 | 115,764,000 | 117,741,000 |
| Noninterest-bearing deposits | 3,588,000 | 3,958,000 | 5,093,000 | 2,642,000 |
| Equity capital | 23,194,000 | 23,311,000 | 23,409,000 | 23,545,000 |
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 | 1,624,000 | 3,228,000 | 4,838,000 | 6,506,000 |
| Interest expense | 546,000 | 1,077,000 | 1,598,000 | 2,100,000 |
| Net interest income | 1,078,000 | 2,151,000 | 3,240,000 | 4,406,000 |
| Noninterest income | 65,000 | 133,000 | 205,000 | 279,000 |
| Noninterest expense | 1,095,000 | 2,184,000 | 3,249,000 | 4,315,000 |
| Provision for loan losses | -29,000 | -86,000 | -56,000 | -26,000 |
| Pretax income | 77,000 | 186,000 | 252,000 | 396,000 |
| Income tax | 12,000 | 35,000 | 46,000 | 73,000 |
| Net income | 65,000 | 151,000 | 206,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,598,000 | 23,697,000 | 23,767,000 | 23,896,000 |