Call reports 2025
FIRST NATIONAL BANK IN PHILIP — 2025
What FIRST NATIONAL BANK IN PHILIP 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 | 422,827,000 | 404,985,000 | 402,107,000 | 503,642,000 |
| Total loans | 238,522,000 | 259,729,000 | 266,106,000 | 268,954,000 |
| Allowance for loan losses | 3,755,000 | 3,753,000 | 3,760,000 | 3,760,000 |
| Securities available for sale | 99,256,000 | 103,903,000 | 106,273,000 | 111,017,000 |
| Securities held to maturity | 2,134,000 | 2,651,000 | 2,610,000 | 5,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,702,000 | 352,917,000 | 348,079,000 | 445,768,000 |
| Interest-bearing deposits | 305,254,000 | 293,053,000 | 285,623,000 | 335,808,000 |
| Noninterest-bearing deposits | 67,448,000 | 59,864,000 | 62,456,000 | 109,960,000 |
| Equity capital | 45,338,000 | 46,705,000 | 48,133,000 | 51,190,000 |
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 | 5,515,000 | 11,297,000 | 17,074,000 | 23,327,000 |
| Interest expense | 2,392,000 | 4,768,000 | 7,101,000 | 9,397,000 |
| Net interest income | 3,123,000 | 6,529,000 | 9,973,000 | 13,930,000 |
| Noninterest income | 293,000 | 560,000 | 815,000 | 1,028,000 |
| Noninterest expense | 1,544,000 | 3,117,000 | 4,766,000 | 6,621,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,872,000 | 3,949,000 | 5,999,000 | 8,314,000 |
| Income tax | 90,000 | 187,000 | 284,000 | 393,000 |
| Net income | 1,782,000 | 3,762,000 | 5,715,000 | 7,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,852,000 | 50,912,000 | 51,906,000 | 54,112,000 |
| Total capital | 54,607,000 | 54,665,000 | 55,666,000 | 57,872,000 |
| Risk-weighted assets | 304,384,000 | 329,588,000 | 339,472,000 | 343,421,000 |