Call reports 2025
FIRST NATIONAL BANK OF LACON — 2025
What FIRST NATIONAL BANK OF LACON 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 | 90,636,000 | 106,803,000 | 100,365,000 | 95,981,000 |
| Total loans | 61,642,000 | 64,733,000 | 67,399,000 | 66,758,000 |
| Allowance for loan losses | 398,000 | 431,000 | 470,000 | 486,000 |
| Securities available for sale | 20,457,000 | 17,155,000 | 18,738,000 | 17,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,363,000 | 99,151,000 | 92,418,000 | 87,805,000 |
| Interest-bearing deposits | 69,161,000 | 84,515,000 | 77,971,000 | 70,312,000 |
| Noninterest-bearing deposits | 14,202,000 | 14,636,000 | 14,447,000 | 17,493,000 |
| Equity capital | 7,095,000 | 7,420,000 | 7,637,000 | 7,956,000 |
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 | 1,063,000 | 2,222,000 | 3,424,000 | 4,600,000 |
| Interest expense | 232,000 | 498,000 | 767,000 | 1,010,000 |
| Net interest income | 831,000 | 1,724,000 | 2,657,000 | 3,590,000 |
| Noninterest income | 12,000 | 25,000 | 41,000 | 60,000 |
| Noninterest expense | 639,000 | 1,193,000 | 1,886,000 | 2,534,000 |
| Provision for loan losses | 0 | 45,000 | 104,000 | 124,000 |
| Pretax income | 204,000 | 511,000 | 708,000 | 992,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 204,000 | 511,000 | 708,000 | 992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,057,000 | 8,189,000 | 8,185,000 | 8,435,000 |
| Total capital | 8,455,000 | 8,620,000 | 8,655,000 | 8,921,000 |
| Risk-weighted assets | 65,865,000 | 72,320,000 | 72,813,000 | 70,155,000 |