Call reports 2025
FIRST NATIONAL BANK OF CARMI, THE — 2025
What FIRST NATIONAL BANK OF CARMI, 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 | 620,834,000 | 594,312,000 | 590,554,000 | 602,993,000 |
| Total loans | 441,002,000 | 451,444,000 | 444,802,000 | 442,345,000 |
| Allowance for loan losses | 6,244,000 | 6,390,000 | 5,399,000 | 5,532,000 |
| Securities available for sale | 60,194,000 | 69,313,000 | 71,547,000 | 69,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,734,000 | 521,048,000 | 514,811,000 | 527,106,000 |
| Interest-bearing deposits | 387,557,000 | 369,199,000 | 367,407,000 | 378,818,000 |
| Noninterest-bearing deposits | 160,177,000 | 151,849,000 | 147,404,000 | 148,288,000 |
| Equity capital | 68,990,000 | 70,011,000 | 71,947,000 | 73,142,000 |
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 | 8,023,000 | 16,228,000 | 24,538,000 | 33,070,000 |
| Interest expense | 2,102,000 | 4,228,000 | 6,369,000 | 8,593,000 |
| Net interest income | 5,921,000 | 12,000,000 | 18,169,000 | 24,477,000 |
| Noninterest income | 688,000 | 1,809,000 | 2,532,000 | 3,357,000 |
| Noninterest expense | 4,408,000 | 8,872,000 | 13,314,000 | 17,735,000 |
| Provision for loan losses | 0 | 550,000 | 569,000 | 700,000 |
| Pretax income | 2,201,000 | 4,387,000 | 6,818,000 | 9,399,000 |
| Income tax | 552,000 | 1,087,000 | 1,688,000 | 2,303,000 |
| Net income | 1,649,000 | 3,300,000 | 5,130,000 | 7,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,845,000 | 65,723,000 | 66,477,000 | 67,669,000 |
| Total capital | 70,652,000 | 71,697,000 | 71,984,000 | 73,309,000 |
| Risk-weighted assets | 464,148,000 | 477,406,000 | 469,162,000 | 463,171,000 |