Call reports 2025
NATIONAL BANK & TRUST — 2025
What 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 | 229,339,000 | 227,781,000 | 233,148,000 | 239,690,000 |
| Total loans | 130,399,000 | 131,838,000 | 131,010,000 | 132,540,000 |
| Allowance for loan losses | 1,484,000 | 1,539,000 | 1,559,000 | 1,496,000 |
| Securities available for sale | 76,759,000 | 74,732,000 | 78,995,000 | 84,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,222,000 | 185,519,000 | 189,923,000 | 196,101,000 |
| Interest-bearing deposits | 135,278,000 | 136,016,000 | 143,085,000 | 148,731,000 |
| Noninterest-bearing deposits | 49,944,000 | 49,503,000 | 46,838,000 | 47,370,000 |
| Equity capital | 19,441,000 | 17,709,000 | 20,040,000 | 20,501,000 |
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 | 2,545,000 | 5,260,000 | 8,049,000 | 10,922,000 |
| Interest expense | 1,098,000 | 2,282,000 | 3,506,000 | 4,753,000 |
| Net interest income | 1,447,000 | 2,978,000 | 4,543,000 | 6,169,000 |
| Noninterest income | 215,000 | 416,000 | 659,000 | 869,000 |
| Noninterest expense | 1,445,000 | 2,837,000 | 4,233,000 | 5,655,000 |
| Provision for loan losses | 92,000 | 146,000 | 164,000 | 144,000 |
| Pretax income | 114,000 | 393,000 | 771,000 | 1,188,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 114,000 | 393,000 | 771,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,450,000 | 26,665,000 | 26,962,000 | 26,859,000 |