Call reports 2025
FIRST NATIONAL BANK OF DECATUR COUNTY — 2025
What FIRST NATIONAL BANK OF DECATUR 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 | 318,395,000 | 342,939,000 | 341,200,000 | 370,987,000 |
| Total loans | 229,218,000 | 239,839,000 | 246,219,000 | 249,477,000 |
| Allowance for loan losses | 2,425,000 | 2,383,000 | 2,429,000 | 2,369,000 |
| Securities available for sale | 59,750,000 | 57,738,000 | 56,188,000 | 54,714,000 |
| Securities held to maturity | 2,250,000 | 2,250,000 | 2,500,000 | 2,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,372,000 | 318,629,000 | 315,373,000 | 345,211,000 |
| Interest-bearing deposits | 237,775,000 | 267,500,000 | 265,461,000 | 288,358,000 |
| Noninterest-bearing deposits | 55,597,000 | 51,129,000 | 49,912,000 | 56,853,000 |
| Equity capital | 20,433,000 | 20,621,000 | 22,013,000 | 22,421,000 |
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 | 4,289,000 | 8,818,000 | 13,678,000 | 18,500,000 |
| Interest expense | 1,962,000 | 3,923,000 | 6,049,000 | 8,089,000 |
| Net interest income | 2,327,000 | 4,895,000 | 7,629,000 | 10,411,000 |
| Noninterest income | 258,000 | 520,000 | 945,000 | 1,236,000 |
| Noninterest expense | 2,578,000 | 5,145,000 | 7,861,000 | 10,851,000 |
| Provision for loan losses | 0 | 30,000 | 90,000 | 90,000 |
| Pretax income | 9,000 | 242,000 | 625,000 | 708,000 |
| Income tax | 0 | 0 | 42,000 | 126,000 |
| Net income | 9,000 | 242,000 | 583,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,434,000 | 25,668,000 | 26,009,000 | 26,008,000 |
| Total capital | 28,063,000 | 28,255,000 | 28,642,000 | 28,581,000 |
| Risk-weighted assets | 237,533,000 | 253,362,000 | 240,785,000 | 266,846,000 |