Call reports 2025
NATIONAL IRON BANK, THE — 2025
What NATIONAL IRON 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 | 301,368,000 | 298,309,000 | 318,124,000 | 335,321,000 |
| Total loans | 245,549,000 | 251,101,000 | 256,182,000 | 260,729,000 |
| Allowance for loan losses | 1,052,000 | 1,153,000 | 1,197,000 | 1,226,000 |
| Securities available for sale | 20,189,000 | 20,652,000 | 27,099,000 | 27,260,000 |
| Securities held to maturity | 17,672,000 | 17,076,000 | 16,519,000 | 16,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,744,000 | 273,472,000 | 292,838,000 | 289,695,000 |
| Interest-bearing deposits | 244,732,000 | 243,588,000 | 259,527,000 | 251,806,000 |
| Noninterest-bearing deposits | 32,012,000 | 29,884,000 | 33,311,000 | 37,889,000 |
| Equity capital | 24,255,000 | 24,416,000 | 24,841,000 | 25,376,000 |
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 | 3,077,000 | 6,297,000 | 9,728,000 | 13,263,000 |
| Interest expense | 1,162,000 | 2,429,000 | 3,756,000 | 5,023,000 |
| Net interest income | 1,915,000 | 3,868,000 | 5,972,000 | 8,240,000 |
| Noninterest income | 1,429,000 | 2,010,000 | 2,195,000 | 2,365,000 |
| Noninterest expense | 1,693,000 | 3,345,000 | 5,161,000 | 6,865,000 |
| Provision for loan losses | 0 | 104,000 | 148,000 | 178,000 |
| Pretax income | 354,000 | 1,136,000 | 1,561,000 | 1,838,000 |
| Income tax | 25,000 | 80,000 | 110,000 | 138,000 |
| Net income | 329,000 | 1,056,000 | 1,451,000 | 1,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,019,000 | 26,057,000 | 26,279,000 | 26,356,000 |
| Total capital | 27,151,000 | 27,288,000 | 27,556,000 | 27,667,000 |
| Risk-weighted assets | 155,619,000 | 157,305,000 | 161,101,000 | 165,018,000 |