Call reports 2025
AVB BANK — 2025
What AVB 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 | 517,377,000 | 531,230,000 | 529,308,000 | 547,962,000 |
| Total loans | 412,636,000 | 434,642,000 | 426,060,000 | 426,018,000 |
| Allowance for loan losses | 7,069,000 | 7,071,000 | 7,072,000 | 7,074,000 |
| Securities available for sale | 62,519,000 | 67,266,000 | 64,632,000 | 62,842,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,403,000 | 463,018,000 | 460,779,000 | 477,533,000 |
| Interest-bearing deposits | 383,691,000 | 390,073,000 | 390,917,000 | 406,293,000 |
| Noninterest-bearing deposits | 69,712,000 | 72,945,000 | 69,862,000 | 71,240,000 |
| Equity capital | 43,401,000 | 44,834,000 | 47,790,000 | 49,977,000 |
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 | 7,155,000 | 14,691,000 | 22,544,000 | 30,427,000 |
| Interest expense | 2,183,000 | 4,248,000 | 6,534,000 | 8,774,000 |
| Net interest income | 4,972,000 | 10,443,000 | 16,010,000 | 21,653,000 |
| Noninterest income | 437,000 | 946,000 | 1,471,000 | 1,931,000 |
| Noninterest expense | 3,986,000 | 8,162,000 | 12,345,000 | 16,861,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,404,000 | 3,164,000 | 5,077,000 | 6,709,000 |
| Income tax | 346,000 | 766,000 | 1,247,000 | 743,000 |
| Net income | 1,058,000 | 2,398,000 | 3,830,000 | 5,966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,280,000 | 51,619,000 | 53,051,000 | 55,187,000 |
| Total capital | 55,619,000 | 57,165,000 | 58,582,000 | 60,671,000 |
| Risk-weighted assets | 425,094,000 | 441,786,000 | 440,611,000 | 436,880,000 |