Call reports 2025
ANDOVER STATE BANK — 2025
What ANDOVER 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 | 208,780,000 | 211,801,000 | 217,313,000 | 229,710,000 |
| Total loans | 184,146,000 | 183,423,000 | 183,873,000 | 189,979,000 |
| Allowance for loan losses | 2,358,000 | 2,359,000 | 2,299,000 | 2,274,000 |
| Securities available for sale | 12,386,000 | 13,377,000 | 14,301,000 | 13,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,361,000 | 187,660,000 | 192,284,000 | 206,721,000 |
| Interest-bearing deposits | 159,894,000 | 160,065,000 | 164,907,000 | 176,712,000 |
| Noninterest-bearing deposits | 27,467,000 | 27,595,000 | 27,377,000 | 30,009,000 |
| Equity capital | 17,709,000 | 18,026,000 | 18,678,000 | 19,117,000 |
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 | 3,087,000 | 6,253,000 | 9,536,000 | 12,775,000 |
| Interest expense | 1,171,000 | 2,291,000 | 3,476,000 | 4,615,000 |
| Net interest income | 1,916,000 | 3,962,000 | 6,060,000 | 8,160,000 |
| Noninterest income | 236,000 | 490,000 | 765,000 | 1,001,000 |
| Noninterest expense | 1,292,000 | 2,632,000 | 4,129,000 | 5,571,000 |
| Provision for loan losses | -6,000 | -5,000 | -64,000 | -89,000 |
| Pretax income | 860,000 | 1,820,000 | 2,696,000 | 3,540,000 |
| Income tax | 206,000 | 436,000 | 638,000 | 840,000 |
| Net income | 654,000 | 1,384,000 | 2,058,000 | 2,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,429,000 | 18,655,000 | 19,207,000 | 19,586,000 |
| Total capital | 20,685,000 | 20,889,000 | 21,507,000 | 21,973,000 |
| Risk-weighted assets | 180,356,000 | 178,599,000 | 183,892,000 | 190,930,000 |