Call reports 2025
FIRST NATIONAL BANK OF IZARD COUNTY — 2025
What FIRST NATIONAL BANK OF IZARD 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 | 221,888,000 | 223,277,000 | 226,942,000 | 230,749,000 |
| Total loans | 110,899,000 | 112,632,000 | 113,995,000 | 114,204,000 |
| Allowance for loan losses | 1,081,000 | 811,000 | 812,000 | 1,065,000 |
| Securities available for sale | 57,466,000 | 58,544,000 | 60,325,000 | 60,471,000 |
| Securities held to maturity | 1,811,000 | 1,811,000 | 1,812,000 | 1,812,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,558,000 | 153,959,000 | 155,842,000 | 159,871,000 |
| Interest-bearing deposits | 108,836,000 | 109,461,000 | 110,069,000 | 113,411,000 |
| Noninterest-bearing deposits | 44,722,000 | 44,498,000 | 45,773,000 | 46,460,000 |
| Equity capital | 65,373,000 | 66,159,000 | 67,810,000 | 68,114,000 |
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 | 2,813,000 | 5,824,000 | 9,108,000 | 12,367,000 |
| Interest expense | 616,000 | 1,218,000 | 1,822,000 | 2,413,000 |
| Net interest income | 2,197,000 | 4,606,000 | 7,286,000 | 9,954,000 |
| Noninterest income | 424,000 | 797,000 | 1,219,000 | 1,648,000 |
| Noninterest expense | 1,211,000 | 2,565,000 | 3,934,000 | 6,315,000 |
| Provision for loan losses | 0 | 800,000 | 800,000 | 1,075,000 |
| Pretax income | 1,410,000 | 2,038,000 | 3,773,000 | 4,216,000 |
| Income tax | 200,000 | 300,000 | 425,000 | 625,000 |
| Net income | 1,210,000 | 1,738,000 | 3,348,000 | 3,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,420,000 | 69,949,000 | 70,558,000 | 70,802,000 |