Call reports 2025
FIRST NATIONAL BANK OF SPEARVILLE — 2025
What FIRST NATIONAL BANK OF SPEARVILLE 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 | 56,996,000 | 55,152,000 | 56,391,000 | 85,940,000 |
| Total loans | 28,667,000 | 28,656,000 | 31,326,000 | 33,963,000 |
| Allowance for loan losses | 498,000 | 498,000 | 496,000 | 508,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,383,000 | 9,348,000 | 9,697,000 | 8,714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,825,000 | 46,981,000 | 47,873,000 | 77,870,000 |
| Interest-bearing deposits | 37,310,000 | 37,268,000 | 36,753,000 | 63,943,000 |
| Noninterest-bearing deposits | 10,515,000 | 9,713,000 | 11,120,000 | 13,927,000 |
| Equity capital | 7,714,000 | 7,880,000 | 8,152,000 | 7,864,000 |
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 | 669,000 | 1,341,000 | 2,036,000 | 2,842,000 |
| Interest expense | 236,000 | 458,000 | 665,000 | 894,000 |
| Net interest income | 433,000 | 883,000 | 1,371,000 | 1,948,000 |
| Noninterest income | 38,000 | 60,000 | 171,000 | 255,000 |
| Noninterest expense | 221,000 | 468,000 | 702,000 | 1,065,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 250,000 | 475,000 | 840,000 | 1,063,000 |
| Income tax | 65,000 | 124,000 | 217,000 | 249,000 |
| Net income | 185,000 | 351,000 | 623,000 | 814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,732,000 | 6,897,000 | 7,170,000 | 6,881,000 |