Call reports 2025
APPLIED BANK — 2025
What APPLIED 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 | 277,124,000 | 274,101,000 | 266,833,000 | 262,658,000 |
| Total loans | 57,857,000 | 54,770,000 | 54,131,000 | 55,252,000 |
| Allowance for loan losses | 340,000 | 318,000 | 310,000 | 319,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,460,000 | 227,527,000 | 217,843,000 | 220,777,000 |
| Interest-bearing deposits | 106,671,000 | 114,626,000 | 109,697,000 | 112,877,000 |
| Noninterest-bearing deposits | 126,789,000 | 112,901,000 | 108,146,000 | 107,900,000 |
| Equity capital | 42,839,000 | 45,606,000 | 47,995,000 | 41,182,000 |
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 | 3,225,000 | 6,544,000 | 9,760,000 | 12,929,000 |
| Interest expense | 12,000 | 26,000 | 40,000 | 53,000 |
| Net interest income | 3,213,000 | 6,518,000 | 9,720,000 | 12,876,000 |
| Noninterest income | 620,000 | 1,236,000 | 1,828,000 | 2,390,000 |
| Noninterest expense | 1,353,000 | 2,358,000 | 3,653,000 | 14,586,000 |
| Provision for loan losses | -15,000 | -38,000 | -43,000 | -34,000 |
| Pretax income | 2,500,000 | 5,409,000 | 7,920,000 | 758,000 |
| Income tax | 118,000 | 260,000 | 382,000 | 34,000 |
| Net income | 2,382,000 | 5,149,000 | 7,538,000 | 724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,839,000 | 45,606,000 | 47,995,000 | 41,182,000 |
| Total capital | 43,181,000 | 45,956,000 | 48,330,000 | 41,504,000 |
| Risk-weighted assets | 58,772,000 | 60,229,000 | 60,177,000 | 59,487,000 |