Call reports 2025
NAPOLEON STATE BANK, THE — 2025
What NAPOLEON STATE BANK, 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 | 480,770,000 | 477,613,000 | 490,327,000 | 483,356,000 |
| Total loans | 322,692,000 | 328,135,000 | 337,476,000 | 343,092,000 |
| Allowance for loan losses | 4,308,000 | 4,408,000 | 4,579,000 | 4,667,000 |
| Securities available for sale | 36,659,000 | 37,210,000 | 40,942,000 | 36,922,000 |
| Securities held to maturity | 38,940,000 | 40,213,000 | 39,962,000 | 41,949,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,126,000 | 424,005,000 | 434,681,000 | 427,004,000 |
| Interest-bearing deposits | 321,685,000 | 330,571,000 | 337,121,000 | 327,129,000 |
| Noninterest-bearing deposits | 106,441,000 | 93,434,000 | 97,560,000 | 99,875,000 |
| Equity capital | 48,267,000 | 49,802,000 | 51,776,000 | 52,415,000 |
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 | 6,835,000 | 13,864,000 | 21,135,000 | 28,415,000 |
| Interest expense | 2,074,000 | 4,089,000 | 6,172,000 | 8,163,000 |
| Net interest income | 4,761,000 | 9,775,000 | 14,963,000 | 20,252,000 |
| Noninterest income | 495,000 | 1,004,000 | 1,533,000 | 2,113,000 |
| Noninterest expense | 2,933,000 | 6,011,000 | 9,111,000 | 12,475,000 |
| Provision for loan losses | 197,000 | 254,000 | 536,000 | 659,000 |
| Pretax income | 2,116,000 | 4,510,000 | 6,831,000 | 9,201,000 |
| Income tax | 484,000 | 1,036,000 | 1,576,000 | 2,114,000 |
| Net income | 1,632,000 | 3,474,000 | 5,255,000 | 7,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,580,000 | 50,077,000 | 51,857,000 | 52,477,000 |