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 | 629,095,000 | 650,026,000 | 662,881,000 | 673,135,000 |
| Total loans | 541,126,000 | 562,337,000 | 571,146,000 | 582,789,000 |
| Allowance for loan losses | 5,782,000 | 5,918,000 | 5,926,000 | 6,115,000 |
| Securities available for sale | 17,611,000 | 17,135,000 | 17,743,000 | 18,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 502,422,000 | 476,979,000 | 488,987,000 | 535,378,000 |
| Interest-bearing deposits | 433,335,000 | 411,384,000 | 416,218,000 | 463,359,000 |
| Noninterest-bearing deposits | 69,087,000 | 65,595,000 | 72,769,000 | 72,019,000 |
| Equity capital | 58,018,000 | 59,103,000 | 60,846,000 | 60,059,000 |
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 | 7,964,000 | 15,935,000 | 24,182,000 | 32,787,000 |
| Interest expense | 3,544,000 | 6,907,000 | 10,267,000 | 13,683,000 |
| Net interest income | 4,420,000 | 9,028,000 | 13,915,000 | 19,104,000 |
| Noninterest income | 2,596,000 | 5,109,000 | 7,688,000 | 10,051,000 |
| Noninterest expense | 5,393,000 | 10,707,000 | 16,502,000 | 22,052,000 |
| Provision for loan losses | 0 | 147,000 | 189,000 | 393,000 |
| Pretax income | 1,623,000 | 3,283,000 | 4,912,000 | 6,710,000 |
| Income tax | 305,000 | 607,000 | 871,000 | 1,174,000 |
| Net income | 1,318,000 | 2,676,000 | 4,041,000 | 5,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,213,000 | 61,571,000 | 62,806,000 | 61,701,000 |
| Total capital | 65,524,000 | 66,997,000 | 68,498,000 | 67,275,000 |
| Risk-weighted assets | 424,454,000 | 433,622,000 | 455,129,000 | 445,383,000 |