Call reports 2025
FIRST BANK OF BANCROFT — 2025
What FIRST BANK OF BANCROFT reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Total assets | 29,119,000 | 29,555,000 | 27,527,000 |
| Total loans | 14,711,000 | 13,032,000 | 13,450,000 |
| Allowance for loan losses | 202,000 | 203,000 | 204,000 |
| Securities available for sale | 10,225,000 | 10,009,000 | 8,084,000 |
| Securities held to maturity | 334,000 | 334,000 | 334,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 25,360,000 | 25,631,000 | 23,506,000 |
| Interest-bearing deposits | 20,565,000 | 21,295,000 | 19,096,000 |
| Noninterest-bearing deposits | 4,795,000 | 4,336,000 | 4,410,000 |
| Equity capital | 3,663,000 | 3,791,000 | 3,946,000 |
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 |
|---|---|---|---|
| Interest income | 296,000 | 600,000 | 905,000 |
| Interest expense | 101,000 | 203,000 | 296,000 |
| Net interest income | 195,000 | 397,000 | 609,000 |
| Noninterest income | 16,000 | 29,000 | 43,000 |
| Noninterest expense | 153,000 | 293,000 | 431,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 58,000 | 133,000 | 221,000 |
| Income tax | 11,000 | 29,000 | 48,000 |
| Net income | 47,000 | 104,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Tier 1 capital | 4,078,000 | 4,136,000 | 4,204,000 |