Call reports 2025
FIRST FEDERAL COMMUNITY BANK, SSB — 2025
What FIRST FEDERAL COMMUNITY BANK, SSB 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 | 587,713,000 | 585,435,000 | 592,680,000 | 607,976,000 |
| Total loans | 470,924,000 | 474,914,000 | 479,524,000 | 480,154,000 |
| Allowance for loan losses | 5,858,000 | 5,856,000 | 5,950,000 | 6,067,000 |
| Securities available for sale | 21,011,000 | 20,563,000 | 20,466,000 | 20,141,000 |
| Securities held to maturity | 551,000 | 551,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 513,173,000 | 509,149,000 | 513,925,000 | 526,074,000 |
| Interest-bearing deposits | 464,203,000 | 460,368,000 | 466,584,000 | 477,233,000 |
| Noninterest-bearing deposits | 48,970,000 | 48,781,000 | 47,341,000 | 48,841,000 |
| Equity capital | 70,224,000 | 71,784,000 | 73,740,000 | 75,355,000 |
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 | 7,608,000 | 15,582,000 | 23,794,000 | 32,111,000 |
| Interest expense | 2,771,000 | 5,524,000 | 8,272,000 | 11,045,000 |
| Net interest income | 4,837,000 | 10,058,000 | 15,522,000 | 21,066,000 |
| Noninterest income | 737,000 | 1,514,000 | 2,313,000 | 3,109,000 |
| Noninterest expense | 4,019,000 | 8,063,000 | 12,172,000 | 16,478,000 |
| Provision for loan losses | 87,000 | 143,000 | 223,000 | 345,000 |
| Pretax income | 1,477,000 | 3,377,000 | 5,419,000 | 7,333,000 |
| Income tax | 299,000 | 686,000 | 1,104,000 | 1,526,000 |
| Net income | 1,178,000 | 2,691,000 | 4,315,000 | 5,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,082,000 | 73,595,000 | 75,220,000 | 76,712,000 |
| Total capital | 77,315,000 | 78,902,000 | 80,553,000 | 82,058,000 |
| Risk-weighted assets | 417,526,000 | 423,540,000 | 425,479,000 | 426,409,000 |