Call reports 2025
FIRST NATIONAL BANK & TRUST — 2025
What FIRST 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 | 405,024,000 | 397,308,000 | 417,240,000 | 412,114,000 |
| Total loans | 199,329,000 | 205,556,000 | 209,032,000 | 210,390,000 |
| Allowance for loan losses | 3,849,000 | 3,914,000 | 4,035,000 | 4,306,000 |
| Securities available for sale | 164,529,000 | 163,235,000 | 156,232,000 | 142,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,889,000 | 342,503,000 | 361,544,000 | 355,186,000 |
| Interest-bearing deposits | 250,034,000 | 240,590,000 | 257,958,000 | 249,129,000 |
| Noninterest-bearing deposits | 102,855,000 | 101,913,000 | 103,586,000 | 106,057,000 |
| Equity capital | 30,491,000 | 32,112,000 | 33,904,000 | 35,322,000 |
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 | 4,012,000 | 8,135,000 | 12,472,000 | 16,967,000 |
| Interest expense | 971,000 | 1,908,000 | 2,927,000 | 3,857,000 |
| Net interest income | 3,041,000 | 6,227,000 | 9,545,000 | 13,110,000 |
| Noninterest income | 981,000 | 1,982,000 | 3,121,000 | 4,222,000 |
| Noninterest expense | 3,135,000 | 6,320,000 | 9,450,000 | 12,834,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 750,000 |
| Pretax income | 737,000 | 1,580,000 | 2,757,000 | 3,588,000 |
| Income tax | 181,000 | 384,000 | 656,000 | 603,000 |
| Net income | 556,000 | 1,196,000 | 2,101,000 | 2,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,936,000 | 36,340,000 | 36,997,000 | 37,370,000 |
| Total capital | 39,053,000 | 39,484,000 | 40,169,000 | 40,537,000 |
| Risk-weighted assets | 248,650,000 | 250,758,000 | 252,907,000 | 252,268,000 |