Call reports 2025
AMBOY BANK — 2025
What AMBOY 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 | 2,787,584,000 | 2,719,810,000 | 2,891,179,000 | 2,811,720,000 |
| Total loans | 1,903,176,000 | 1,916,884,000 | 1,952,575,000 | 1,935,191,000 |
| Allowance for loan losses | 30,555,000 | 30,719,000 | 30,943,000 | 32,091,000 |
| Securities available for sale | 267,659,000 | 294,059,000 | 353,729,000 | 392,337,000 |
| Securities held to maturity | 154,447,000 | 143,120,000 | 134,342,000 | 133,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,408,609,000 | 2,316,570,000 | 2,474,315,000 | 2,410,976,000 |
| Interest-bearing deposits | 2,246,265,000 | 2,162,925,000 | 2,322,502,000 | 2,256,363,000 |
| Noninterest-bearing deposits | 162,344,000 | 153,645,000 | 151,813,000 | 154,613,000 |
| Equity capital | 326,316,000 | 347,330,000 | 341,249,000 | 334,969,000 |
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 | 37,060,000 | 72,767,000 | 110,120,000 | 147,531,000 |
| Interest expense | 13,875,000 | 26,274,000 | 39,040,000 | 51,967,000 |
| Net interest income | 23,185,000 | 46,493,000 | 71,080,000 | 95,564,000 |
| Noninterest income | 256,000 | 8,655,000 | 16,712,000 | 24,765,000 |
| Noninterest expense | 11,267,000 | 21,330,000 | 31,374,000 | 47,278,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000,000 |
| Pretax income | 12,191,000 | 33,838,000 | 56,449,000 | 72,087,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 12,191,000 | 33,838,000 | 56,449,000 | 72,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 330,942,000 | 351,426,000 | 342,862,000 | 335,354,000 |
| Total capital | 359,581,000 | 380,419,000 | 372,475,000 | 365,036,000 |
| Risk-weighted assets | 2,288,485,000 | 2,316,987,000 | 2,366,953,000 | 2,371,409,000 |