Call reports 2025
FIRST BANK & TRUST COMPANY — 2025
What FIRST BANK & 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 | 982,410,000 | 958,352,000 | 955,885,000 | 948,406,000 |
| Total loans | 741,882,000 | 759,452,000 | 757,322,000 | 746,898,000 |
| Allowance for loan losses | 10,702,000 | 10,835,000 | 11,189,000 | 11,574,000 |
| Securities available for sale | 117,519,000 | 134,645,000 | 136,831,000 | 156,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 846,174,000 | 819,960,000 | 811,964,000 | 800,051,000 |
| Interest-bearing deposits | 614,528,000 | 593,319,000 | 599,997,000 | 596,650,000 |
| Noninterest-bearing deposits | 231,646,000 | 226,641,000 | 211,967,000 | 203,401,000 |
| Equity capital | 130,961,000 | 133,921,000 | 138,253,000 | 142,902,000 |
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 | 13,852,000 | 27,828,000 | 42,082,000 | 56,416,000 |
| Interest expense | 3,701,000 | 7,185,000 | 10,676,000 | 14,021,000 |
| Net interest income | 10,151,000 | 20,643,000 | 31,406,000 | 42,395,000 |
| Noninterest income | 1,857,000 | 3,834,000 | 6,075,000 | 8,196,000 |
| Noninterest expense | 6,347,000 | 13,472,000 | 19,809,000 | 25,986,000 |
| Provision for loan losses | 202,000 | 367,000 | 979,000 | 1,293,000 |
| Pretax income | 5,459,000 | 10,638,000 | 16,693,000 | 23,312,000 |
| Income tax | 338,000 | 570,000 | 836,000 | 927,000 |
| Net income | 5,121,000 | 10,068,000 | 15,857,000 | 22,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,040,000 | 129,558,000 | 133,876,000 | 138,673,000 |
| Total capital | 132,651,000 | 139,225,000 | 143,572,000 | 148,036,000 |
| Risk-weighted assets | 766,895,000 | 771,305,000 | 773,277,000 | 745,932,000 |