Call reports 2025
FIRST NATIONAL BANK AND TRUST — 2025
What FIRST NATIONAL BANK AND 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 | 228,054,000 | 226,043,000 | 229,327,000 | 239,483,000 |
| Total loans | 142,139,000 | 141,793,000 | 144,895,000 | 144,399,000 |
| Allowance for loan losses | 2,297,000 | 2,487,000 | 1,281,000 | 1,532,000 |
| Securities available for sale | 53,050,000 | 51,479,000 | 52,347,000 | 52,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,395,000 | 209,527,000 | 210,942,000 | 220,353,000 |
| Interest-bearing deposits | 136,213,000 | 137,275,000 | 139,425,000 | 141,393,000 |
| Noninterest-bearing deposits | 75,182,000 | 72,252,000 | 71,517,000 | 78,960,000 |
| Equity capital | 15,865,000 | 15,514,000 | 17,434,000 | 18,354,000 |
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 | 2,564,000 | 5,241,000 | 7,957,000 | 10,736,000 |
| Interest expense | 832,000 | 1,668,000 | 2,505,000 | 3,340,000 |
| Net interest income | 1,732,000 | 3,573,000 | 5,452,000 | 7,396,000 |
| Noninterest income | 382,000 | 769,000 | 1,191,000 | 1,572,000 |
| Noninterest expense | 1,698,000 | 3,495,000 | 5,340,000 | 7,203,000 |
| Provision for loan losses | 225,000 | 449,000 | 683,000 | 935,000 |
| Pretax income | 191,000 | 398,000 | 620,000 | 830,000 |
| Income tax | -33,000 | -20,000 | -6,000 | 2,000 |
| Net income | 224,000 | 418,000 | 626,000 | 828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,815,000 | 26,914,000 | 27,040,000 | 27,063,000 |