Call reports 2025
FIRST NATIONAL BANK OF SOUTH PADRE ISLAND — 2025
What FIRST NATIONAL BANK OF SOUTH PADRE ISLAND 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 | 82,694,000 | 83,414,000 | 83,926,000 | 77,847,000 |
| Total loans | 33,198,000 | 35,699,000 | 37,292,000 | 39,169,000 |
| Allowance for loan losses | 580,000 | 580,000 | 580,000 | 580,000 |
| Securities available for sale | 19,752,000 | 21,275,000 | 22,764,000 | 22,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,589,000 | 73,249,000 | 72,865,000 | 66,992,000 |
| Interest-bearing deposits | 41,630,000 | 41,139,000 | 39,304,000 | 38,841,000 |
| Noninterest-bearing deposits | 30,959,000 | 32,110,000 | 33,561,000 | 28,151,000 |
| Equity capital | 9,983,000 | 10,030,000 | 10,875,000 | 10,760,000 |
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 | 1,066,000 | 2,192,000 | 3,330,000 | 4,473,000 |
| Interest expense | 109,000 | 215,000 | 326,000 | 431,000 |
| Net interest income | 957,000 | 1,977,000 | 3,004,000 | 4,042,000 |
| Noninterest income | 23,000 | 42,000 | 62,000 | 82,000 |
| Noninterest expense | 516,000 | 1,056,000 | 1,592,000 | 2,147,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 464,000 | 963,000 | 1,474,000 | 1,977,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 464,000 | 963,000 | 1,474,000 | 1,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,083,000 | 10,201,000 | 10,712,000 | 10,581,000 |