Call reports 2025
FIRST NATIONAL BANK OF COFFEE COUNTY — 2025
What FIRST NATIONAL BANK OF COFFEE COUNTY 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 | 502,904,000 | 503,135,000 | 495,287,000 | 518,614,000 |
| Total loans | 250,448,000 | 250,863,000 | 243,705,000 | 243,360,000 |
| Allowance for loan losses | 3,237,000 | 3,368,000 | 3,499,000 | 3,615,000 |
| Securities available for sale | 76,237,000 | 101,369,000 | 102,119,000 | 102,312,000 |
| Securities held to maturity | 57,358,000 | 41,871,000 | 41,298,000 | 40,848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 457,010,000 | 453,660,000 | 442,417,000 | 465,447,000 |
| Interest-bearing deposits | 331,236,000 | 326,358,000 | 324,222,000 | 347,439,000 |
| Noninterest-bearing deposits | 125,774,000 | 127,302,000 | 118,195,000 | 118,008,000 |
| Equity capital | 41,697,000 | 44,040,000 | 46,522,000 | 48,419,000 |
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 | 6,590,000 | 13,100,000 | 19,690,000 | 26,382,000 |
| Interest expense | 2,258,000 | 4,392,000 | 6,563,000 | 8,593,000 |
| Net interest income | 4,332,000 | 8,708,000 | 13,127,000 | 17,789,000 |
| Noninterest income | 536,000 | 1,243,000 | 1,949,000 | 2,823,000 |
| Noninterest expense | 2,888,000 | 5,595,000 | 8,736,000 | 12,312,000 |
| Provision for loan losses | 131,000 | 263,000 | 394,000 | 525,000 |
| Pretax income | 1,849,000 | 4,093,000 | 5,946,000 | 7,775,000 |
| Income tax | 12,000 | 26,000 | 44,000 | 62,000 |
| Net income | 1,837,000 | 4,067,000 | 5,902,000 | 7,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,706,000 | 44,936,000 | 46,771,000 | 48,586,000 |
| Total capital | 45,674,000 | 47,927,000 | 49,679,000 | 51,490,000 |
| Risk-weighted assets | 237,058,000 | 238,767,000 | 231,932,000 | 231,513,000 |