Call reports 2025
AUDUBON STATE BANK — 2025
What AUDUBON STATE 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 | 162,674,000 | 154,150,000 | 163,830,000 | 163,402,000 |
| Total loans | 115,958,000 | 121,323,000 | 128,991,000 | 130,247,000 |
| Allowance for loan losses | 1,183,000 | 1,183,000 | 1,283,000 | 1,358,000 |
| Securities available for sale | 12,568,000 | 13,603,000 | 14,596,000 | 14,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,200,000 | 130,872,000 | 140,001,000 | 139,553,000 |
| Interest-bearing deposits | 112,316,000 | 106,256,000 | 124,784,000 | 123,415,000 |
| Noninterest-bearing deposits | 25,884,000 | 24,616,000 | 15,217,000 | 16,138,000 |
| Equity capital | 17,610,000 | 18,068,000 | 18,615,000 | 18,628,000 |
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 | 2,054,000 | 4,209,000 | 6,474,000 | 8,848,000 |
| Interest expense | 721,000 | 1,392,000 | 2,029,000 | 2,687,000 |
| Net interest income | 1,333,000 | 2,817,000 | 4,445,000 | 6,161,000 |
| Noninterest income | 63,000 | 117,000 | 169,000 | 215,000 |
| Noninterest expense | 682,000 | 1,412,000 | 2,068,000 | 2,771,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 175,000 |
| Pretax income | 714,000 | 1,522,000 | 2,446,000 | 3,430,000 |
| Income tax | 28,000 | 62,000 | 100,000 | 122,000 |
| Net income | 686,000 | 1,460,000 | 2,346,000 | 3,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,266,000 | 15,666,000 | 16,165,000 | 16,128,000 |
| Total capital | 16,449,000 | 16,849,000 | 17,448,000 | 17,486,000 |
| Risk-weighted assets | 109,912,000 | 115,774,000 | 122,494,000 | 123,713,000 |