Call reports 2025
FIRST NATIONAL BANK — 2025
What FIRST 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 | 1,594,433,000 | 1,380,794,000 | 1,315,080,000 | 1,154,876,000 |
| Total loans | 1,301,078,000 | 1,146,775,000 | 1,094,141,000 | 984,359,000 |
| Allowance for loan losses | 10,910,000 | 10,726,000 | 10,640,000 | 10,596,000 |
| Securities available for sale | 54,959,000 | 52,921,000 | 52,024,000 | 50,738,000 |
| Securities held to maturity | 456,000 | 410,000 | 364,000 | 318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,216,251,000 | 1,151,500,000 | 1,119,072,000 | 1,034,910,000 |
| Interest-bearing deposits | 1,004,473,000 | 959,473,000 | 924,665,000 | 831,728,000 |
| Noninterest-bearing deposits | 211,778,000 | 192,027,000 | 194,407,000 | 203,182,000 |
| Equity capital | 151,077,000 | 152,777,000 | 144,226,000 | 105,703,000 |
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 | 20,007,000 | 40,020,000 | 57,902,000 | 74,918,000 |
| Interest expense | 10,258,000 | 20,491,000 | 29,103,000 | 36,727,000 |
| Net interest income | 9,749,000 | 19,529,000 | 28,799,000 | 38,191,000 |
| Noninterest income | 982,000 | -178,000 | 334,000 | 945,000 |
| Noninterest expense | 7,223,000 | 13,675,000 | 20,059,000 | 27,826,000 |
| Provision for loan losses | 155,000 | 231,000 | 164,000 | 164,000 |
| Pretax income | 3,353,000 | 5,445,000 | 8,910,000 | 12,680,000 |
| Income tax | 570,000 | 698,000 | 1,295,000 | 2,429,000 |
| Net income | 2,783,000 | 4,747,000 | 7,615,000 | 10,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,856,000 | 150,865,000 | 141,232,000 | 102,413,000 |
| Total capital | 161,493,000 | 162,315,000 | 151,549,000 | 111,815,000 |
| Risk-weighted assets | 1,010,986,000 | 914,960,000 | 823,273,000 | 750,756,000 |