Call reports 2025
FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA — 2025
What FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA 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 | 256,468,000 | 251,993,000 | 259,750,000 | 271,927,000 |
| Total loans | 216,029,000 | 221,515,000 | 230,652,000 | 238,524,000 |
| Allowance for loan losses | 969,000 | 967,000 | 969,000 | 979,000 |
| Securities available for sale | 1,876,000 | 1,841,000 | 1,853,000 | 1,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,647,000 | 193,502,000 | 189,695,000 | 195,534,000 |
| Interest-bearing deposits | 173,681,000 | 172,746,000 | 169,094,000 | 175,397,000 |
| Noninterest-bearing deposits | 24,966,000 | 20,756,000 | 20,601,000 | 20,137,000 |
| Equity capital | 32,021,000 | 32,530,000 | 33,037,000 | 32,703,000 |
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 | 3,772,000 | 7,541,000 | 11,350,000 | 15,296,000 |
| Interest expense | 1,228,000 | 2,486,000 | 3,813,000 | 5,227,000 |
| Net interest income | 2,544,000 | 5,055,000 | 7,537,000 | 10,069,000 |
| Noninterest income | 201,000 | 427,000 | 667,000 | 908,000 |
| Noninterest expense | 2,044,000 | 4,082,000 | 6,129,000 | 9,343,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 671,000 | 1,340,000 | 1,985,000 | 1,514,000 |
| Income tax | 151,000 | 305,000 | 454,000 | 329,000 |
| Net income | 520,000 | 1,035,000 | 1,531,000 | 1,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,766,000 | 32,264,000 | 32,743,000 | 32,239,000 |