Call reports 2025
FIRST NATIONAL BANK OF PANDORA, THE — 2025
What FIRST NATIONAL BANK OF PANDORA, 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 | 275,328,000 | 277,746,000 | 285,062,000 | 288,700,000 |
| Total loans | 189,115,000 | 190,499,000 | 191,774,000 | 192,694,000 |
| Allowance for loan losses | 2,504,000 | 2,311,000 | 2,376,000 | 2,497,000 |
| Securities available for sale | 57,061,000 | 55,344,000 | 54,943,000 | 55,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,386,000 | 256,298,000 | 262,709,000 | 265,857,000 |
| Interest-bearing deposits | 238,540,000 | 238,809,000 | 242,172,000 | 244,191,000 |
| Noninterest-bearing deposits | 15,846,000 | 17,489,000 | 20,537,000 | 21,666,000 |
| Equity capital | 18,176,000 | 18,736,000 | 19,961,000 | 20,360,000 |
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 | 3,369,000 | 6,952,000 | 10,641,000 | 14,526,000 |
| Interest expense | 1,153,000 | 2,396,000 | 3,660,000 | 4,913,000 |
| Net interest income | 2,216,000 | 4,556,000 | 6,981,000 | 9,613,000 |
| Noninterest income | 290,000 | 603,000 | 957,000 | 1,307,000 |
| Noninterest expense | 2,169,000 | 4,334,000 | 6,516,000 | 8,766,000 |
| Provision for loan losses | 73,000 | 196,000 | 265,000 | 391,000 |
| Pretax income | 264,000 | 629,000 | 1,157,000 | 1,763,000 |
| Income tax | -13,000 | -8,000 | 34,000 | 97,000 |
| Net income | 277,000 | 637,000 | 1,123,000 | 1,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,720,000 | 22,080,000 | 22,566,000 | 22,639,000 |
| Total capital | 24,191,000 | 24,391,000 | 24,942,000 | 25,136,000 |
| Risk-weighted assets | 197,707,000 | 200,010,000 | 202,233,000 | 202,487,000 |