Call reports 2025
FIRST NATIONAL BANK AND TRUST COMPANY — 2025
What FIRST NATIONAL BANK AND 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 | 393,608,000 | 400,297,000 | 391,570,000 | 386,400,000 |
| Total loans | 123,337,000 | 122,426,000 | 145,676,000 | 143,180,000 |
| Allowance for loan losses | 866,000 | 902,000 | 1,149,000 | 1,188,000 |
| Securities available for sale | 70,102,000 | 68,339,000 | 45,950,000 | 42,000,000 |
| Securities held to maturity | 156,856,000 | 157,043,000 | 157,449,000 | 158,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,123,000 | 385,627,000 | 379,421,000 | 371,448,000 |
| Interest-bearing deposits | 347,571,000 | 352,526,000 | 344,848,000 | 337,049,000 |
| Noninterest-bearing deposits | 40,552,000 | 33,101,000 | 34,573,000 | 34,399,000 |
| Equity capital | -110,000 | 134,000 | 667,000 | 911,000 |
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 | 3,967,000 | 7,906,000 | 11,970,000 | 16,063,000 |
| Interest expense | 2,037,000 | 4,142,000 | 6,121,000 | 8,094,000 |
| Net interest income | 1,930,000 | 3,764,000 | 5,849,000 | 7,969,000 |
| Noninterest income | 143,000 | 260,000 | 541,000 | 757,000 |
| Noninterest expense | 2,146,000 | 4,514,000 | 6,805,000 | 9,368,000 |
| Provision for loan losses | 84,000 | 205,000 | 457,000 | 506,000 |
| Pretax income | -178,000 | -875,000 | -1,026,000 | -1,298,000 |
| Income tax | -98,000 | -376,000 | -419,000 | -519,000 |
| Net income | -80,000 | -499,000 | -607,000 | -779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,744,000 | 27,552,000 | 27,668,000 | 27,404,000 |
| Total capital | 28,628,000 | 28,471,000 | 28,835,000 | 28,610,000 |
| Risk-weighted assets | 212,731,000 | 212,917,000 | 233,860,000 | 225,754,000 |