Call reports 2025
FIRST NATIONAL BANK OF HEREFORD, THE — 2025
What FIRST NATIONAL BANK OF HEREFORD, THE 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 | 316,432,000 | 325,024,000 | 332,160,000 | 375,313,000 |
| Total loans | 258,446,000 | 262,141,000 | 273,380,000 | 298,604,000 |
| Allowance for loan losses | 2,909,000 | 3,154,000 | 3,256,000 | 3,510,000 |
| Securities available for sale | 19,820,000 | 19,066,000 | 19,223,000 | 18,982,000 |
| Securities held to maturity | 2,739,000 | 2,732,000 | 2,724,000 | 2,717,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,455,000 | 285,994,000 | 291,179,000 | 333,451,000 |
| Interest-bearing deposits | 186,729,000 | 200,492,000 | 202,587,000 | 199,345,000 |
| Noninterest-bearing deposits | 91,726,000 | 85,502,000 | 88,592,000 | 134,106,000 |
| Equity capital | 34,719,000 | 35,530,000 | 37,284,000 | 38,646,000 |
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 | 5,004,000 | 10,228,000 | 15,680,000 | 21,348,000 |
| Interest expense | 1,474,000 | 3,022,000 | 4,656,000 | 6,368,000 |
| Net interest income | 3,530,000 | 7,206,000 | 11,024,000 | 14,980,000 |
| Noninterest income | 364,000 | 798,000 | 1,210,000 | 1,678,000 |
| Noninterest expense | 2,221,000 | 4,452,000 | 6,790,000 | 9,130,000 |
| Provision for loan losses | 230,000 | 475,000 | 575,000 | 835,000 |
| Pretax income | 1,443,000 | 3,077,000 | 4,869,000 | 6,693,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,443,000 | 3,077,000 | 4,869,000 | 6,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,092,000 | 38,152,000 | 39,286,000 | 40,400,000 |
| Total capital | 40,079,000 | 41,384,000 | 42,620,000 | 43,988,000 |
| Risk-weighted assets | 282,965,000 | 288,768,000 | 296,923,000 | 327,127,000 |