Call reports 2025
FIRST NATIONAL BANK AMES, IOWA — 2025
What FIRST NATIONAL BANK AMES, IOWA 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 | 1,116,971,000 | 1,061,756,000 | 1,060,426,000 | 1,108,870,000 |
| Total loans | 692,715,000 | 675,944,000 | 679,863,000 | 680,611,000 |
| Allowance for loan losses | 9,702,000 | 8,353,000 | 9,227,000 | 9,090,000 |
| Securities available for sale | 310,150,000 | 320,091,000 | 315,927,000 | 323,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 971,653,000 | 918,388,000 | 914,674,000 | 952,909,000 |
| Interest-bearing deposits | 770,538,000 | 746,287,000 | 736,799,000 | 757,293,000 |
| Noninterest-bearing deposits | 201,115,000 | 172,101,000 | 177,875,000 | 195,616,000 |
| Equity capital | 93,128,000 | 97,523,000 | 100,494,000 | 104,542,000 |
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 | 10,001,000 | 20,201,000 | 30,548,000 | 41,638,000 |
| Interest expense | 4,050,000 | 7,977,000 | 11,705,000 | 15,329,000 |
| Net interest income | 5,951,000 | 12,224,000 | 18,843,000 | 26,309,000 |
| Noninterest income | 1,647,000 | 3,377,000 | 4,913,000 | 7,355,000 |
| Noninterest expense | 5,249,000 | 10,337,000 | 15,359,000 | 21,017,000 |
| Provision for loan losses | 1,134,000 | 889,000 | 1,412,000 | 521,000 |
| Pretax income | 1,229,000 | 4,385,000 | 7,005,000 | 12,134,000 |
| Income tax | 98,000 | 665,000 | 1,105,000 | 2,153,000 |
| Net income | 1,131,000 | 3,720,000 | 5,900,000 | 9,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,584,000 | 105,220,000 | 105,844,000 | 108,267,000 |
| Total capital | 113,239,000 | 113,952,000 | 115,343,000 | 117,737,000 |
| Risk-weighted assets | 771,955,000 | 757,485,000 | 759,820,000 | 758,950,000 |