Call reports 2025
ANDOVER BANK, THE — 2025
What ANDOVER BANK, THE 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 | 566,782,000 | 574,872,000 | 586,705,000 | 586,992,000 |
| Total loans | 266,439,000 | 270,238,000 | 277,176,000 | 274,791,000 |
| Allowance for loan losses | 1,591,000 | 1,586,000 | 1,581,000 | 1,577,000 |
| Securities available for sale | 253,766,000 | 254,257,000 | 253,894,000 | 256,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 535,647,000 | 542,061,000 | 548,925,000 | 546,067,000 |
| Interest-bearing deposits | 397,688,000 | 399,041,000 | 398,952,000 | 401,851,000 |
| Noninterest-bearing deposits | 137,959,000 | 143,020,000 | 149,973,000 | 144,216,000 |
| Equity capital | 27,667,000 | 29,050,000 | 34,207,000 | 37,296,000 |
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 | 5,245,000 | 10,805,000 | 16,504,000 | 22,367,000 |
| Interest expense | 1,522,000 | 2,939,000 | 4,363,000 | 5,800,000 |
| Net interest income | 3,723,000 | 7,866,000 | 12,141,000 | 16,567,000 |
| Noninterest income | 918,000 | 1,902,000 | 2,910,000 | 3,902,000 |
| Noninterest expense | 3,743,000 | 7,421,000 | 11,308,000 | 15,565,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 898,000 | 2,347,000 | 3,743,000 | 4,898,000 |
| Income tax | -9,000 | 40,000 | 110,000 | 135,000 |
| Net income | 907,000 | 2,307,000 | 3,633,000 | 4,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,638,000 | 56,270,000 | 57,595,000 | 57,966,000 |
| Total capital | 57,159,000 | 57,787,000 | 59,106,000 | 59,473,000 |
| Risk-weighted assets | 254,347,000 | 259,432,000 | 264,595,000 | 267,537,000 |