Call reports 2025
FBT BANK & MORTGAGE — 2025
What FBT BANK & MORTGAGE 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 | 252,920,000 | 256,136,000 | 258,080,000 | 246,823,000 |
| Total loans | 149,876,000 | 149,780,000 | 148,733,000 | 152,865,000 |
| Allowance for loan losses | 2,290,000 | 2,254,000 | 2,219,000 | 2,425,000 |
| Securities available for sale | 40,856,000 | 50,779,000 | 54,962,000 | 41,435,000 |
| Securities held to maturity | 27,943,000 | 27,859,000 | 27,807,000 | 27,730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,323,000 | 223,276,000 | 217,351,000 | 217,660,000 |
| Interest-bearing deposits | 168,039,000 | 164,450,000 | 158,047,000 | 155,151,000 |
| Noninterest-bearing deposits | 59,284,000 | 58,826,000 | 59,304,000 | 62,509,000 |
| Equity capital | 13,045,000 | 13,334,000 | 15,890,000 | 16,746,000 |
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 | 3,719,000 | 7,435,000 | 11,296,000 | 15,091,000 |
| Interest expense | 1,387,000 | 2,663,000 | 3,931,000 | 5,197,000 |
| Net interest income | 2,332,000 | 4,772,000 | 7,365,000 | 9,894,000 |
| Noninterest income | 421,000 | 867,000 | 1,330,000 | 2,066,000 |
| Noninterest expense | 2,029,000 | 4,228,000 | 6,492,000 | 9,557,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 704,000 | 1,391,000 | 2,183,000 | 1,977,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 704,000 | 1,391,000 | 2,183,000 | 1,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,872,000 | 25,559,000 | 26,352,000 | 26,694,000 |