Call reports 2025
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2025
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN 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 | 199,014,000 | 200,783,000 | 202,902,000 | 203,885,000 |
| Total loans | 136,324,000 | 140,338,000 | 145,191,000 | 148,192,000 |
| Allowance for loan losses | 828,000 | 880,000 | 898,000 | 881,000 |
| Securities available for sale | 45,518,000 | 42,262,000 | 42,129,000 | 42,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,536,000 | 176,912,000 | 178,104,000 | 178,467,000 |
| Interest-bearing deposits | 170,271,000 | 170,902,000 | 171,605,000 | 171,318,000 |
| Noninterest-bearing deposits | 6,265,000 | 6,010,000 | 6,499,000 | 7,149,000 |
| Equity capital | 18,836,000 | 19,214,000 | 20,037,000 | 20,344,000 |
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 | 2,429,000 | 4,924,000 | 7,518,000 | 10,193,000 |
| Interest expense | 1,213,000 | 2,399,000 | 3,577,000 | 4,740,000 |
| Net interest income | 1,216,000 | 2,525,000 | 3,941,000 | 5,453,000 |
| Noninterest income | 219,000 | 458,000 | 697,000 | 988,000 |
| Noninterest expense | 1,043,000 | 2,262,000 | 3,395,000 | 4,716,000 |
| Provision for loan losses | 0 | 52,000 | 107,000 | 107,000 |
| Pretax income | 392,000 | 669,000 | 1,136,000 | 1,618,000 |
| Income tax | 86,000 | 128,000 | 231,000 | 308,000 |
| Net income | 306,000 | 541,000 | 905,000 | 1,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,880,000 | 20,115,000 | 20,479,000 | 20,884,000 |
| Total capital | 20,708,000 | 20,995,000 | 21,377,000 | 21,765,000 |
| Risk-weighted assets | 112,494,000 | 115,811,000 | 117,036,000 | 119,766,000 |