Call reports 2025
1ST TRUST BANK, INC. — 2025
What 1ST TRUST BANK, INC. 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 | 319,281,000 | 325,251,000 | 321,027,000 | 332,075,000 |
| Total loans | 251,742,000 | 257,159,000 | 259,065,000 | 262,965,000 |
| Allowance for loan losses | 1,594,000 | 1,662,000 | 1,740,000 | 1,809,000 |
| Securities available for sale | 27,548,000 | 27,311,000 | 26,814,000 | 27,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,463,000 | 297,100,000 | 291,680,000 | 301,945,000 |
| Interest-bearing deposits | 238,282,000 | 246,171,000 | 248,458,000 | 251,734,000 |
| Noninterest-bearing deposits | 53,181,000 | 50,929,000 | 43,222,000 | 50,211,000 |
| Equity capital | 26,959,000 | 27,324,000 | 28,412,000 | 29,477,000 |
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 | 4,155,000 | 8,585,000 | 13,135,000 | 17,798,000 |
| Interest expense | 1,979,000 | 4,020,000 | 6,069,000 | 8,082,000 |
| Net interest income | 2,176,000 | 4,565,000 | 7,066,000 | 9,716,000 |
| Noninterest income | 190,000 | 411,000 | 704,000 | 980,000 |
| Noninterest expense | 1,857,000 | 3,790,000 | 5,718,000 | 7,598,000 |
| Provision for loan losses | 60,000 | 140,000 | 230,000 | 320,000 |
| Pretax income | 449,000 | 1,046,000 | 1,822,000 | 2,778,000 |
| Income tax | 118,000 | 225,000 | 402,000 | 656,000 |
| Net income | 331,000 | 821,000 | 1,420,000 | 2,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,433,000 | 29,922,000 | 30,522,000 | 31,225,000 |
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