Call reports 2025
ARMSTRONG COUNTY BUILDING AND LOAN ASSOCIATION — 2025
What ARMSTRONG COUNTY BUILDING AND 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 | 96,790,000 | 96,019,000 | 97,236,000 | 95,470,000 |
| Total loans | 60,465,000 | 62,544,000 | 65,000,000 | 64,457,000 |
| Allowance for loan losses | 356,000 | 350,000 | 345,000 | 362,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 28,599,000 | 26,143,000 | 25,691,000 | 25,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,561,000 | 81,780,000 | 82,944,000 | 83,202,000 |
| Interest-bearing deposits | 81,561,000 | 81,780,000 | 82,944,000 | 83,202,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 11,731,000 | 11,764,000 | 11,824,000 | 11,823,000 |
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 | 978,000 | 1,995,000 | 3,034,000 | 4,084,000 |
| Interest expense | 778,000 | 1,528,000 | 2,263,000 | 3,025,000 |
| Net interest income | 200,000 | 467,000 | 771,000 | 1,059,000 |
| Noninterest income | 16,000 | 31,000 | 44,000 | 56,000 |
| Noninterest expense | 252,000 | 514,000 | 779,000 | 1,057,000 |
| Provision for loan losses | 17,000 | 9,000 | 5,000 | 21,000 |
| Pretax income | -20,000 | 13,000 | 73,000 | 82,000 |
| Income tax | 0 | 0 | 0 | 10,000 |
| Net income | -20,000 | 13,000 | 73,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,731,000 | 11,764,000 | 11,824,000 | 11,823,000 |
| Total capital | 12,087,000 | 12,114,000 | 12,169,000 | 12,185,000 |
| Risk-weighted assets | 39,300,000 | 41,741,000 | 39,873,000 | 42,647,000 |