Call reports 2025
O'BANNON BANKING COMPANY — 2025
What O'BANNON BANKING COMPANY 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 | 309,974,000 | 308,929,000 | 312,363,000 | 321,108,000 |
| Total loans | 215,720,000 | 219,410,000 | 228,985,000 | 246,084,000 |
| Allowance for loan losses | 2,286,000 | 2,353,000 | 2,458,000 | 2,607,000 |
| Securities available for sale | 39,634,000 | 41,261,000 | 42,341,000 | 41,381,000 |
| Securities held to maturity | 2,293,000 | 2,292,000 | 2,292,000 | 2,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,782,000 | 277,373,000 | 280,723,000 | 286,616,000 |
| Interest-bearing deposits | 227,370,000 | 221,177,000 | 220,673,000 | 226,456,000 |
| Noninterest-bearing deposits | 52,412,000 | 56,196,000 | 60,050,000 | 60,160,000 |
| Equity capital | 25,127,000 | 26,296,000 | 27,144,000 | 28,385,000 |
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 | 4,410,000 | 9,023,000 | 13,714,000 | 18,487,000 |
| Interest expense | 1,616,000 | 3,221,000 | 4,810,000 | 6,384,000 |
| Net interest income | 2,794,000 | 5,802,000 | 8,904,000 | 12,103,000 |
| Noninterest income | 149,000 | 312,000 | 468,000 | 608,000 |
| Noninterest expense | 1,954,000 | 3,901,000 | 5,845,000 | 7,795,000 |
| Provision for loan losses | 26,000 | 101,000 | 221,000 | 372,000 |
| Pretax income | 927,000 | 2,067,000 | 3,263,000 | 4,529,000 |
| Income tax | 211,000 | 472,000 | 749,000 | 1,035,000 |
| Net income | 716,000 | 1,595,000 | 2,514,000 | 3,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,828,000 | 28,698,000 | 29,032,000 | 30,012,000 |