Call reports 2025
FLANAGAN STATE BANK — 2025
What FLANAGAN STATE BANK 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 | 302,962,000 | 307,573,000 | 310,145,000 | 312,454,000 |
| Total loans | 175,157,000 | 188,649,000 | 190,125,000 | 194,549,000 |
| Allowance for loan losses | 1,577,000 | 1,624,000 | 1,712,000 | 1,773,000 |
| Securities available for sale | 99,651,000 | 97,321,000 | 97,731,000 | 96,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,133,000 | 273,823,000 | 276,269,000 | 276,560,000 |
| Interest-bearing deposits | 182,180,000 | 230,553,000 | 232,275,000 | 235,890,000 |
| Noninterest-bearing deposits | 97,953,000 | 43,270,000 | 43,994,000 | 40,670,000 |
| Equity capital | 14,951,000 | 15,946,000 | 19,031,000 | 19,942,000 |
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 | 3,424,000 | 7,019,000 | 10,747,000 | 14,557,000 |
| Interest expense | 1,249,000 | 2,503,000 | 3,851,000 | 5,152,000 |
| Net interest income | 2,175,000 | 4,516,000 | 6,896,000 | 9,405,000 |
| Noninterest income | 2,384,000 | 5,882,000 | 9,064,000 | 12,451,000 |
| Noninterest expense | 4,490,000 | 9,568,000 | 14,599,000 | 19,689,000 |
| Provision for loan losses | 45,000 | 90,000 | 180,000 | 240,000 |
| Pretax income | 24,000 | 740,000 | 1,181,000 | 1,927,000 |
| Income tax | 7,000 | 7,000 | 10,000 | 10,000 |
| Net income | 17,000 | 733,000 | 1,171,000 | 1,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,895,000 | 27,423,000 | 27,735,000 | 28,306,000 |
| Total capital | 28,472,000 | 29,047,000 | 29,447,000 | 30,078,000 |
| Risk-weighted assets | 208,500,000 | 222,284,000 | 229,661,000 | 237,516,000 |