Call reports 2025
FIRST NATIONAL BANK OF ELMER — 2025
What FIRST NATIONAL BANK OF ELMER 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 | 384,885,000 | 404,574,000 | 410,133,000 | 409,411,000 |
| Total loans | 320,385,000 | 322,262,000 | 323,248,000 | 327,269,000 |
| Allowance for loan losses | 4,030,000 | 4,077,000 | 4,122,000 | 4,162,000 |
| Securities available for sale | 23,173,000 | 23,150,000 | 23,246,000 | 23,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,078,000 | 365,357,000 | 369,265,000 | 367,964,000 |
| Interest-bearing deposits | 322,149,000 | 342,907,000 | 345,155,000 | 343,540,000 |
| Noninterest-bearing deposits | 23,929,000 | 22,450,000 | 24,110,000 | 24,424,000 |
| Equity capital | 36,642,000 | 37,304,000 | 38,365,000 | 38,989,000 |
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 | 4,754,000 | 9,905,000 | 15,199,000 | 20,429,000 |
| Interest expense | 973,000 | 2,123,000 | 3,306,000 | 4,501,000 |
| Net interest income | 3,781,000 | 7,782,000 | 11,893,000 | 15,928,000 |
| Noninterest income | 818,000 | 1,106,000 | 1,403,000 | 1,720,000 |
| Noninterest expense | 3,209,000 | 6,402,000 | 9,701,000 | 13,026,000 |
| Provision for loan losses | 40,000 | 80,000 | 120,000 | 160,000 |
| Pretax income | 1,350,000 | 2,402,000 | 3,471,000 | 4,466,000 |
| Income tax | 215,000 | 493,000 | 771,000 | 1,028,000 |
| Net income | 1,135,000 | 1,909,000 | 2,700,000 | 3,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,868,000 | 38,383,000 | 39,175,000 | 39,684,000 |
| Total capital | 41,527,000 | 42,002,000 | 42,798,000 | 43,342,000 |
| Risk-weighted assets | 292,244,000 | 289,010,000 | 289,232,000 | 292,063,000 |