Call reports 2025
HNB FIRST BANK — 2025
What HNB FIRST BANK 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 | 249,450,000 | 257,334,000 | 283,389,000 | 285,111,000 |
| Total loans | 171,964,000 | 186,337,000 | 198,152,000 | 206,083,000 |
| Allowance for loan losses | 1,878,000 | 1,985,000 | 2,101,000 | 2,132,000 |
| Securities available for sale | 19,964,000 | 19,628,000 | 20,541,000 | 23,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,036,000 | 230,841,000 | 255,777,000 | 257,009,000 |
| Interest-bearing deposits | 175,631,000 | 180,809,000 | 205,604,000 | 204,616,000 |
| Noninterest-bearing deposits | 48,405,000 | 50,032,000 | 50,173,000 | 52,393,000 |
| Equity capital | 22,639,000 | 23,572,000 | 24,619,000 | 25,318,000 |
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 | 3,421,000 | 7,228,000 | 11,189,000 | 15,348,000 |
| Interest expense | 1,205,000 | 2,444,000 | 3,743,000 | 5,103,000 |
| Net interest income | 2,216,000 | 4,784,000 | 7,446,000 | 10,245,000 |
| Noninterest income | 527,000 | 974,000 | 1,424,000 | 1,904,000 |
| Noninterest expense | 1,803,000 | 3,664,000 | 5,615,000 | 8,117,000 |
| Provision for loan losses | 137,000 | 244,000 | 383,000 | 545,000 |
| Pretax income | 793,000 | 1,836,000 | 2,849,000 | 3,464,000 |
| Income tax | 27,000 | 68,000 | 140,000 | 145,000 |
| Net income | 766,000 | 1,768,000 | 2,709,000 | 3,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,104,000 | 24,925,000 | 25,687,000 | 26,298,000 |