Call reports 2025
ACB BANK — 2025
What ACB 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 | 133,983,000 | 139,942,000 | 142,559,000 | 142,953,000 |
| Total loans | 101,587,000 | 104,137,000 | 104,960,000 | 107,929,000 |
| Allowance for loan losses | 2,141,000 | 2,215,000 | 2,212,000 | 2,144,000 |
| Securities available for sale | 17,968,000 | 18,136,000 | 17,805,000 | 19,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,016,000 | 112,440,000 | 114,081,000 | 114,283,000 |
| Interest-bearing deposits | 92,720,000 | 92,866,000 | 94,238,000 | 92,058,000 |
| Noninterest-bearing deposits | 19,296,000 | 19,574,000 | 19,843,000 | 22,225,000 |
| Equity capital | 14,712,000 | 15,072,000 | 16,160,000 | 16,351,000 |
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 | 2,074,000 | 4,158,000 | 6,629,000 | 9,116,000 |
| Interest expense | 854,000 | 1,642,000 | 2,471,000 | 3,277,000 |
| Net interest income | 1,220,000 | 2,516,000 | 4,158,000 | 5,839,000 |
| Noninterest income | 131,000 | 252,000 | 383,000 | 466,000 |
| Noninterest expense | 887,000 | 1,741,000 | 2,666,000 | 3,952,000 |
| Provision for loan losses | 50,000 | 125,000 | 125,000 | 125,000 |
| Pretax income | 414,000 | 902,000 | 1,748,000 | 2,226,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 414,000 | 902,000 | 1,748,000 | 2,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,175,000 | 16,640,000 | 17,256,000 | 17,324,000 |