Call reports 2025
HNB NATIONAL BANK — 2025
What HNB NATIONAL BANK 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 | 963,993,000 | 960,966,000 | 957,245,000 | 967,999,000 |
| Total loans | 644,568,000 | 638,523,000 | 650,071,000 | 689,500,000 |
| Allowance for loan losses | 6,914,000 | 6,928,000 | 6,970,000 | 7,250,000 |
| Securities available for sale | 183,849,000 | 192,625,000 | 201,763,000 | 200,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 834,842,000 | 838,583,000 | 838,132,000 | 847,472,000 |
| Interest-bearing deposits | 703,979,000 | 705,860,000 | 717,793,000 | 720,860,000 |
| Noninterest-bearing deposits | 130,863,000 | 132,723,000 | 120,339,000 | 126,612,000 |
| Equity capital | 104,782,000 | 108,204,000 | 113,873,000 | 116,374,000 |
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 | 12,539,000 | 25,811,000 | 39,020,000 | 52,383,000 |
| Interest expense | 4,061,000 | 8,149,000 | 12,179,000 | 16,048,000 |
| Net interest income | 8,478,000 | 17,662,000 | 26,841,000 | 36,335,000 |
| Noninterest income | 1,685,000 | 3,414,000 | 5,306,000 | 7,081,000 |
| Noninterest expense | 4,806,000 | 9,639,000 | 14,584,000 | 19,501,000 |
| Provision for loan losses | 0 | 100,000 | 125,000 | 390,000 |
| Pretax income | 5,357,000 | 11,312,000 | 17,388,000 | 23,475,000 |
| Income tax | 0 | 0 | 19,000 | 19,000 |
| Net income | 5,357,000 | 11,312,000 | 17,369,000 | 23,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,302,000 | 111,016,000 | 113,832,000 | 115,876,000 |