Call reports 2025
FIRST NATIONAL COMMUNITY BANK — 2025
What FIRST NATIONAL COMMUNITY 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 | 678,617,000 | 699,176,000 | 711,386,000 | 703,236,000 |
| Total loans | 512,137,000 | 527,752,000 | 511,871,000 | 496,118,000 |
| Allowance for loan losses | 6,335,000 | 6,578,000 | 6,383,000 | 6,667,000 |
| Securities available for sale | 22,441,000 | 21,892,000 | 21,768,000 | 21,281,000 |
| Securities held to maturity | 17,000 | 14,000 | 13,000 | 12,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 585,542,000 | 605,659,000 | 615,629,000 | 604,832,000 |
| Interest-bearing deposits | 434,008,000 | 452,857,000 | 462,086,000 | 456,274,000 |
| Noninterest-bearing deposits | 151,534,000 | 152,802,000 | 153,543,000 | 148,558,000 |
| Equity capital | 89,115,000 | 89,555,000 | 92,419,000 | 95,376,000 |
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 | 10,909,000 | 22,034,000 | 34,054,000 | 45,758,000 |
| Interest expense | 2,828,000 | 5,739,000 | 8,822,000 | 11,860,000 |
| Net interest income | 8,081,000 | 16,295,000 | 25,232,000 | 33,898,000 |
| Noninterest income | 753,000 | 1,596,000 | 2,548,000 | 3,424,000 |
| Noninterest expense | 4,477,000 | 9,117,000 | 13,650,000 | 18,158,000 |
| Provision for loan losses | 270,000 | 540,000 | 2,405,000 | 2,675,000 |
| Pretax income | 4,087,000 | 8,234,000 | 11,725,000 | 16,489,000 |
| Income tax | 1,001,000 | 2,017,000 | 2,873,000 | 3,913,000 |
| Net income | 3,086,000 | 6,217,000 | 8,852,000 | 12,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,086,000 | 87,582,000 | 90,171,000 | 93,212,000 |