Call reports 2025
FIRST NATIONAL BANK IN FRANKFORT — 2025
What FIRST NATIONAL BANK IN FRANKFORT 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 | 59,539,000 | 59,057,000 | 60,739,000 | 61,587,000 |
| Total loans | 28,601,000 | 29,771,000 | 32,427,000 | 31,527,000 |
| Allowance for loan losses | 421,000 | 423,000 | 426,000 | 448,000 |
| Securities available for sale | 24,306,000 | 23,749,000 | 24,037,000 | 24,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,172,000 | 55,794,000 | 56,102,000 | 57,328,000 |
| Interest-bearing deposits | 42,130,000 | 41,755,000 | 43,126,000 | 42,330,000 |
| Noninterest-bearing deposits | 14,042,000 | 14,039,000 | 12,976,000 | 14,998,000 |
| Equity capital | 2,980,000 | 2,858,000 | 3,549,000 | 3,853,000 |
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 | 693,000 | 1,372,000 | 2,097,000 | 2,847,000 |
| Interest expense | 249,000 | 498,000 | 749,000 | 999,000 |
| Net interest income | 444,000 | 874,000 | 1,348,000 | 1,848,000 |
| Noninterest income | 43,000 | 78,000 | 113,000 | 143,000 |
| Noninterest expense | 404,000 | 781,000 | 1,188,000 | 1,619,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 88,000 | 183,000 | 285,000 | 387,000 |
| Income tax | 2,000 | 6,000 | 10,000 | 14,000 |
| Net income | 86,000 | 177,000 | 275,000 | 373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,346,000 | 6,363,000 | 6,384,000 | 6,483,000 |