Call reports 2025
VIDALIA FEDERAL SAVINGS BANK — 2025
What VIDALIA 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 | 228,966,000 | 224,311,000 | 221,315,000 | 218,786,000 |
| Total loans | 93,531,000 | 95,605,000 | 94,707,000 | 96,293,000 |
| Allowance for loan losses | 923,000 | 903,000 | 901,000 | 901,000 |
| Securities available for sale | 3,667,000 | 3,538,000 | 3,576,000 | 3,462,000 |
| Securities held to maturity | 98,820,000 | 92,820,000 | 92,820,000 | 88,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,937,000 | 170,779,000 | 168,580,000 | 166,234,000 |
| Interest-bearing deposits | 154,802,000 | 151,484,000 | 148,587,000 | 147,581,000 |
| Noninterest-bearing deposits | 20,135,000 | 19,295,000 | 19,993,000 | 18,653,000 |
| Equity capital | 26,803,000 | 26,275,000 | 26,077,000 | 26,007,000 |
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 | 1,724,000 | 3,445,000 | 5,172,000 | 6,879,000 |
| Interest expense | 1,143,000 | 2,263,000 | 3,368,000 | 4,468,000 |
| Net interest income | 581,000 | 1,182,000 | 1,804,000 | 2,411,000 |
| Noninterest income | 112,000 | 257,000 | 383,000 | 534,000 |
| Noninterest expense | 1,179,000 | 2,429,000 | 3,506,000 | 4,747,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -486,000 | -990,000 | -1,319,000 | -1,802,000 |
| Income tax | 0 | 0 | 0 | -426,000 |
| Net income | -486,000 | -990,000 | -1,319,000 | -1,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,379,000 | 26,876,000 | 26,581,000 | 26,524,000 |