Call reports 2025
FALLS CITY NATIONAL BANK, THE — 2025
What FALLS CITY NATIONAL BANK, 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 | 595,010,000 | 581,047,000 | 582,555,000 | 591,271,000 |
| Total loans | 140,935,000 | 142,783,000 | 142,243,000 | 139,761,000 |
| Allowance for loan losses | 1,796,000 | 1,796,000 | 1,757,000 | 1,789,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 241,732,000 | 255,323,000 | 259,897,000 | 297,806,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 506,041,000 | 489,642,000 | 489,534,000 | 498,227,000 |
| Interest-bearing deposits | 310,937,000 | 311,953,000 | 316,286,000 | 318,430,000 |
| Noninterest-bearing deposits | 195,104,000 | 177,689,000 | 173,248,000 | 179,797,000 |
| Equity capital | 86,752,000 | 90,121,000 | 91,561,000 | 91,504,000 |
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 | 6,879,000 | 13,648,000 | 20,428,000 | 27,192,000 |
| Interest expense | 1,656,000 | 3,349,000 | 5,093,000 | 6,714,000 |
| Net interest income | 5,223,000 | 10,299,000 | 15,335,000 | 20,478,000 |
| Noninterest income | 212,000 | 456,000 | 680,000 | 912,000 |
| Noninterest expense | 1,258,000 | 2,515,000 | 3,889,000 | 6,201,000 |
| Provision for loan losses | 21,000 | 21,000 | 33,000 | 33,000 |
| Pretax income | 4,177,000 | 8,240,000 | 12,126,000 | 15,189,000 |
| Income tax | 853,000 | 1,546,000 | 2,493,000 | 3,113,000 |
| Net income | 3,324,000 | 6,694,000 | 9,633,000 | 12,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,752,000 | 90,121,000 | 91,561,000 | 91,504,000 |