Call reports 2025
FNB COWETA — 2025
What FNB COWETA 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 | 118,147,000 | 118,380,000 | 122,292,000 | 124,311,000 |
| Total loans | 61,901,000 | 62,846,000 | 67,887,000 | 68,703,000 |
| Allowance for loan losses | 909,000 | 949,000 | 1,034,000 | 1,085,000 |
| Securities available for sale | 32,423,000 | 32,073,000 | 30,456,000 | 30,033,000 |
| Securities held to maturity | 12,832,000 | 12,860,000 | 12,890,000 | 12,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,036,000 | 108,373,000 | 110,928,000 | 113,516,000 |
| Interest-bearing deposits | 80,130,000 | 82,184,000 | 85,870,000 | 85,421,000 |
| Noninterest-bearing deposits | 28,906,000 | 26,189,000 | 25,058,000 | 28,095,000 |
| Equity capital | 8,884,000 | 9,700,000 | 11,011,000 | 10,634,000 |
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 | 1,462,000 | 2,999,000 | 4,659,000 | 6,364,000 |
| Interest expense | 294,000 | 615,000 | 954,000 | 1,307,000 |
| Net interest income | 1,168,000 | 2,384,000 | 3,705,000 | 5,057,000 |
| Noninterest income | 101,000 | 290,000 | 485,000 | 581,000 |
| Noninterest expense | 708,000 | 1,393,000 | 2,092,000 | 2,972,000 |
| Provision for loan losses | 30,000 | 70,000 | 155,000 | 230,000 |
| Pretax income | 506,000 | 1,181,000 | 1,933,000 | 2,325,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 506,000 | 1,181,000 | 1,933,000 | 2,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,669,000 | 12,344,000 | 13,092,000 | 12,446,000 |