Call reports 2025
FNNB BANK — 2025
What FNNB 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 | 104,090,000 | 105,444,000 | 104,135,000 | 102,324,000 |
| Total loans | 64,439,000 | 67,822,000 | 67,652,000 | 68,859,000 |
| Allowance for loan losses | 751,000 | 762,000 | 773,000 | 779,000 |
| Securities available for sale | 31,044,000 | 27,569,000 | 27,002,000 | 25,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,377,000 | 86,921,000 | 91,697,000 | 90,023,000 |
| Interest-bearing deposits | 57,828,000 | 56,924,000 | 61,869,000 | 62,288,000 |
| Noninterest-bearing deposits | 29,549,000 | 29,997,000 | 29,828,000 | 27,735,000 |
| Equity capital | 7,969,000 | 8,226,000 | 8,848,000 | 9,060,000 |
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 | 1,195,000 | 2,445,000 | 3,762,000 | 5,037,000 |
| Interest expense | 270,000 | 567,000 | 842,000 | 1,098,000 |
| Net interest income | 925,000 | 1,878,000 | 2,920,000 | 3,939,000 |
| Noninterest income | 51,000 | 102,000 | 173,000 | 262,000 |
| Noninterest expense | 748,000 | 1,474,000 | 2,253,000 | 3,087,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 26,000 |
| Pretax income | 226,000 | 495,000 | 815,000 | 1,082,000 |
| Income tax | 9,000 | 21,000 | 34,000 | 46,000 |
| Net income | 217,000 | 474,000 | 781,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,377,000 | 9,525,000 | 9,723,000 | 9,869,000 |
| Total capital | 10,128,000 | 10,287,000 | 10,496,000 | 10,662,000 |
| Risk-weighted assets | 72,368,000 | 75,010,000 | 75,025,000 | 75,757,000 |