Call reports 2025
FIRST NATURALSTATE BANK — 2025
What FIRST NATURALSTATE 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 | 102,353,000 | 100,944,000 | 105,365,000 | 102,241,000 |
| Total loans | 72,143,000 | 76,848,000 | 77,680,000 | 81,927,000 |
| Allowance for loan losses | 1,389,000 | 1,317,000 | 1,317,000 | 1,383,000 |
| Securities available for sale | 16,299,000 | 15,561,000 | 15,420,000 | 14,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,476,000 | 86,114,000 | 89,905,000 | 83,794,000 |
| Interest-bearing deposits | 59,232,000 | 59,940,000 | 59,477,000 | 57,958,000 |
| Noninterest-bearing deposits | 28,244,000 | 26,174,000 | 30,428,000 | 25,836,000 |
| Equity capital | 14,680,000 | 14,571,000 | 15,113,000 | 15,090,000 |
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 | 1,383,000 | 2,798,000 | 4,264,000 | 5,811,000 |
| Interest expense | 476,000 | 968,000 | 1,461,000 | 1,942,000 |
| Net interest income | 907,000 | 1,830,000 | 2,803,000 | 3,869,000 |
| Noninterest income | 35,000 | 74,000 | 108,000 | 142,000 |
| Noninterest expense | 672,000 | 1,320,000 | 1,942,000 | 2,737,000 |
| Provision for loan losses | 0 | 0 | 0 | 49,000 |
| Pretax income | 270,000 | 584,000 | 969,000 | 1,225,000 |
| Income tax | 56,000 | 125,000 | 218,000 | 313,000 |
| Net income | 214,000 | 459,000 | 751,000 | 912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,585,000 | 15,580,000 | 15,871,000 | 15,767,000 |
| Total capital | 16,399,000 | 16,347,000 | 16,733,000 | 16,518,000 |
| Risk-weighted assets | 64,572,000 | 60,803,000 | 68,523,000 | 59,422,000 |