Call reports 2025
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF CENTERBURG — 2025
What FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF CENTERBURG 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 | 22,938,000 | 22,580,000 | 23,477,000 | 22,379,000 |
| Total loans | 14,205,000 | 13,970,000 | 14,026,000 | 14,022,000 |
| Allowance for loan losses | 145,000 | 145,000 | 145,000 | 145,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,484,000 | 4,300,000 | 4,143,000 | 3,987,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,076,000 | 16,751,000 | 17,673,000 | 16,631,000 |
| Interest-bearing deposits | 17,076,000 | 16,751,000 | 17,673,000 | 16,631,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 5,126,000 | 5,092,000 | 5,068,000 | 5,008,000 |
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 | 222,000 | 450,000 | 679,000 | 899,000 |
| Interest expense | 95,000 | 192,000 | 294,000 | 392,000 |
| Net interest income | 127,000 | 258,000 | 385,000 | 507,000 |
| Noninterest income | 8,000 | 15,000 | 20,000 | 25,000 |
| Noninterest expense | 163,000 | 335,000 | 491,000 | 678,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -28,000 | -62,000 | -86,000 | -146,000 |
| Income tax | -2,000 | -2,000 | -2,000 | -2,000 |
| Net income | -26,000 | -60,000 | -84,000 | -144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,126,000 | 5,092,000 | 5,068,000 | 5,008,000 |