Call reports 2025
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2025
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION 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 | 705,645,000 | 711,671,000 | 727,134,000 | 729,563,000 |
| Total loans | 576,695,000 | 571,572,000 | 560,933,000 | 545,814,000 |
| Allowance for loan losses | 5,388,000 | 5,508,000 | 5,628,000 | 5,748,000 |
| Securities available for sale | 31,709,000 | 37,039,000 | 38,090,000 | 43,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 580,838,000 | 584,891,000 | 598,728,000 | 601,838,000 |
| Interest-bearing deposits | 455,233,000 | 455,482,000 | 453,215,000 | 469,060,000 |
| Noninterest-bearing deposits | 125,605,000 | 129,409,000 | 145,513,000 | 132,778,000 |
| Equity capital | 119,311,000 | 120,251,000 | 121,322,000 | 122,587,000 |
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 | 7,996,000 | 16,496,000 | 25,272,000 | 34,193,000 |
| Interest expense | 3,214,000 | 6,513,000 | 9,882,000 | 13,059,000 |
| Net interest income | 4,782,000 | 9,983,000 | 15,390,000 | 21,134,000 |
| Noninterest income | 225,000 | 422,000 | 624,000 | 817,000 |
| Noninterest expense | 3,620,000 | 6,979,000 | 10,295,000 | 12,873,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,237,000 | 3,156,000 | 5,329,000 | 8,568,000 |
| Income tax | 375,000 | 990,000 | 1,735,000 | 2,415,000 |
| Net income | 862,000 | 2,166,000 | 3,594,000 | 6,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,388,000 | 119,242,000 | 120,220,000 | 121,429,000 |