Call reports 2025
FIRST NATIONAL BANK IN ORD — 2025
What FIRST NATIONAL BANK IN ORD 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 | 159,542,000 | 156,902,000 | 156,650,000 | 159,751,000 |
| Total loans | 80,139,000 | 81,329,000 | 83,343,000 | 82,083,000 |
| Allowance for loan losses | 1,305,000 | 1,315,000 | 1,323,000 | 1,334,000 |
| Securities available for sale | 46,232,000 | 51,794,000 | 51,621,000 | 47,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,298,000 | 139,121,000 | 138,320,000 | 141,588,000 |
| Interest-bearing deposits | 101,372,000 | 101,776,000 | 102,038,000 | 101,262,000 |
| Noninterest-bearing deposits | 40,926,000 | 37,345,000 | 36,282,000 | 40,326,000 |
| Equity capital | 17,010,000 | 17,456,000 | 17,930,000 | 18,019,000 |
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 | 2,040,000 | 4,092,000 | 6,113,000 | 8,098,000 |
| Interest expense | 500,000 | 1,006,000 | 1,485,000 | 1,964,000 |
| Net interest income | 1,540,000 | 3,086,000 | 4,628,000 | 6,134,000 |
| Noninterest income | 205,000 | 254,000 | 314,000 | 366,000 |
| Noninterest expense | 777,000 | 1,652,000 | 2,586,000 | 3,810,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 959,000 | 1,670,000 | 2,329,000 | 2,654,000 |
| Income tax | 20,000 | 35,000 | 44,000 | 44,000 |
| Net income | 939,000 | 1,635,000 | 2,285,000 | 2,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,135,000 | 17,562,000 | 17,952,000 | 18,027,000 |
| Total capital | 18,140,000 | 18,559,000 | 18,962,000 | 19,022,000 |
| Risk-weighted assets | 80,130,000 | 79,433,000 | 80,488,000 | 79,315,000 |