Call reports 2025
ADELPHI BANK — 2025
What ADELPHI 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 | 77,743,000 | 87,627,000 | 93,837,000 | 106,369,000 |
| Total loans | 60,918,000 | 68,072,000 | 74,670,000 | 87,397,000 |
| Allowance for loan losses | 951,000 | 916,000 | 996,000 | 1,102,000 |
| Securities available for sale | 700,000 | 1,617,000 | 2,728,000 | 4,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,226,000 | 67,358,000 | 73,750,000 | 86,219,000 |
| Interest-bearing deposits | 50,584,000 | 54,793,000 | 67,936,000 | 72,590,000 |
| Noninterest-bearing deposits | 6,642,000 | 12,564,000 | 5,814,000 | 13,629,000 |
| Equity capital | 19,053,000 | 18,896,000 | 18,840,000 | 18,805,000 |
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 | 1,203,000 | 2,560,000 | 4,099,000 | 5,730,000 |
| Interest expense | 290,000 | 614,000 | 1,044,000 | 1,485,000 |
| Net interest income | 913,000 | 1,946,000 | 3,055,000 | 4,245,000 |
| Noninterest income | 21,000 | 44,000 | 70,000 | 109,000 |
| Noninterest expense | 1,289,000 | 2,460,000 | 3,707,000 | 4,990,000 |
| Provision for loan losses | 119,000 | 84,000 | 164,000 | 270,000 |
| Pretax income | -474,000 | -745,000 | -903,000 | -1,052,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -474,000 | -745,000 | -903,000 | -1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,053,000 | 18,896,000 | 18,840,000 | 18,767,000 |