Call reports 2025
FIRST FEDERAL SAVINGS BANK — 2025
What FIRST 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 | 439,489,000 | 426,586,000 | 418,613,000 | 422,705,000 |
| Total loans | 283,840,000 | 287,062,000 | 285,580,000 | 287,329,000 |
| Allowance for loan losses | 3,105,000 | 3,268,000 | 3,344,000 | 3,440,000 |
| Securities available for sale | 77,602,000 | 77,451,000 | 71,571,000 | 76,091,000 |
| Securities held to maturity | 143,000 | 132,000 | 124,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,333,000 | 331,800,000 | 322,953,000 | 327,131,000 |
| Interest-bearing deposits | 316,417,000 | 305,142,000 | 299,951,000 | 301,891,000 |
| Noninterest-bearing deposits | 28,916,000 | 26,658,000 | 23,002,000 | 25,240,000 |
| Equity capital | 42,670,000 | 43,333,000 | 43,987,000 | 44,507,000 |
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 | 4,481,000 | 9,255,000 | 14,073,000 | 18,820,000 |
| Interest expense | 2,009,000 | 3,996,000 | 5,972,000 | 7,863,000 |
| Net interest income | 2,472,000 | 5,259,000 | 8,101,000 | 10,957,000 |
| Noninterest income | 336,000 | 709,000 | 1,171,000 | 1,522,000 |
| Noninterest expense | 2,728,000 | 5,453,000 | 8,302,000 | 11,055,000 |
| Provision for loan losses | 20,000 | 170,000 | 237,000 | 220,000 |
| Pretax income | 60,000 | 345,000 | 700,000 | 1,154,000 |
| Income tax | 0 | 10,000 | 102,000 | 267,000 |
| Net income | 60,000 | 335,000 | 598,000 | 887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,375,000 | 43,828,000 | 44,245,000 | 44,631,000 |