Call reports 2025
BANK & TRUST COMPANY — 2025
What BANK & TRUST COMPANY 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 | 602,303,000 | 614,573,000 | 626,039,000 | 633,157,000 |
| Total loans | 384,130,000 | 392,818,000 | 410,705,000 | 424,056,000 |
| Allowance for loan losses | 6,666,000 | 6,607,000 | 6,611,000 | 7,052,000 |
| Securities available for sale | 164,406,000 | 176,298,000 | 185,800,000 | 181,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 511,407,000 | 520,820,000 | 522,351,000 | 535,102,000 |
| Interest-bearing deposits | 422,307,000 | 432,464,000 | 435,817,000 | 441,543,000 |
| Noninterest-bearing deposits | 89,100,000 | 88,356,000 | 86,534,000 | 93,559,000 |
| Equity capital | 59,431,000 | 61,928,000 | 64,761,000 | 66,566,000 |
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 | 7,368,000 | 15,219,000 | 23,469,000 | 31,815,000 |
| Interest expense | 2,611,000 | 5,288,000 | 8,114,000 | 11,016,000 |
| Net interest income | 4,757,000 | 9,931,000 | 15,355,000 | 20,799,000 |
| Noninterest income | 666,000 | 1,388,000 | 2,141,000 | 3,045,000 |
| Noninterest expense | 3,438,000 | 6,748,000 | 10,115,000 | 13,629,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 714,000 |
| Pretax income | 1,915,000 | 4,417,000 | 7,144,000 | 9,494,000 |
| Income tax | 492,000 | 1,135,000 | 1,836,000 | 2,522,000 |
| Net income | 1,423,000 | 3,282,000 | 5,308,000 | 6,972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,644,000 | 66,204,000 | 67,929,000 | 68,993,000 |
| Total capital | 69,705,000 | 71,366,000 | 73,332,000 | 74,515,000 |
| Risk-weighted assets | 403,221,000 | 411,395,000 | 430,898,000 | 440,127,000 |