Call reports 2025
AMERICAN NATIONAL BANK & TRUST — 2025
What AMERICAN NATIONAL BANK & TRUST 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 | 2,370,355,000 | 2,324,037,000 | 2,344,737,000 | 2,448,815,000 |
| Total loans | 1,753,040,000 | 1,784,969,000 | 1,814,189,000 | 1,886,850,000 |
| Allowance for loan losses | 19,885,000 | 18,977,000 | 18,198,000 | 19,100,000 |
| Securities available for sale | 105,770,000 | 119,956,000 | 149,030,000 | 141,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,113,108,000 | 2,060,377,000 | 2,070,914,000 | 2,176,494,000 |
| Interest-bearing deposits | 1,797,733,000 | 1,710,762,000 | 1,755,807,000 | 1,883,082,000 |
| Noninterest-bearing deposits | 315,375,000 | 349,615,000 | 315,107,000 | 293,412,000 |
| Equity capital | 231,983,000 | 237,979,000 | 242,035,000 | 247,684,000 |
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 | 32,057,000 | 65,502,000 | 99,546,000 | 134,387,000 |
| Interest expense | 16,679,000 | 33,261,000 | 50,089,000 | 66,694,000 |
| Net interest income | 15,378,000 | 32,241,000 | 49,457,000 | 67,693,000 |
| Noninterest income | 7,399,000 | 14,388,000 | 21,825,000 | 29,569,000 |
| Noninterest expense | 15,740,000 | 31,658,000 | 49,039,000 | 67,650,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 2,700,000 | 3,600,000 |
| Pretax income | 6,137,000 | 13,171,000 | 19,543,000 | 26,012,000 |
| Income tax | 1,141,000 | 2,529,000 | 3,767,000 | 4,817,000 |
| Net income | 4,996,000 | 10,642,000 | 15,776,000 | 21,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 231,551,000 | 237,237,000 | 240,272,000 | 245,691,000 |
| Total capital | 252,836,000 | 257,614,000 | 259,870,000 | 266,191,000 |
| Risk-weighted assets | 1,834,822,000 | 1,871,188,000 | 1,898,602,000 | 1,959,931,000 |