Call reports 2025
WESTMORELAND FEDERAL SAVINGS AND LOAN ASSOCIATION OF LATROBE — 2025
What WESTMORELAND FEDERAL SAVINGS AND LOAN ASSOCIATION OF LATROBE 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 | 166,675,000 | 166,681,000 | 166,234,000 | 167,209,000 |
| Total loans | 68,596,000 | 68,397,000 | 71,220,000 | 70,167,000 |
| Allowance for loan losses | 417,000 | 417,000 | 417,000 | 417,000 |
| Securities available for sale | 1,952,000 | 1,795,000 | 1,632,000 | 1,494,000 |
| Securities held to maturity | 81,823,000 | 78,003,000 | 75,521,000 | 68,942,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,961,000 | 121,507,000 | 120,573,000 | 121,610,000 |
| Interest-bearing deposits | 119,226,000 | 118,815,000 | 118,852,000 | 119,500,000 |
| Noninterest-bearing deposits | 2,735,000 | 2,692,000 | 1,721,000 | 2,110,000 |
| Equity capital | 44,281,000 | 44,633,000 | 44,999,000 | 44,998,000 |
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 | 1,558,000 | 3,160,000 | 4,735,000 | 6,299,000 |
| Interest expense | 815,000 | 1,548,000 | 2,266,000 | 2,994,000 |
| Net interest income | 743,000 | 1,612,000 | 2,469,000 | 3,305,000 |
| Noninterest income | 3,000 | 7,000 | 10,000 | 13,000 |
| Noninterest expense | 678,000 | 1,353,000 | 2,047,000 | 2,763,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 257,000 | 716,000 | 1,201,000 | 1,177,000 |
| Income tax | 63,000 | 181,000 | 308,000 | 296,000 |
| Net income | 194,000 | 535,000 | 893,000 | 881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,335,000 | 44,675,000 | 45,033,000 | 45,021,000 |