Call reports 2025
FIRST NATIONAL BANK AND TRUST COMPANY, THE — 2025
What FIRST NATIONAL BANK AND TRUST COMPANY, THE 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 | 1,533,551,000 | 1,539,805,000 | 1,530,413,000 | 1,591,626,000 |
| Total loans | 984,895,000 | 994,889,000 | 1,005,079,000 | 999,988,000 |
| Allowance for loan losses | 13,076,000 | 11,997,000 | 12,160,000 | 12,037,000 |
| Securities available for sale | 391,813,000 | 391,134,000 | 391,602,000 | 325,141,000 |
| Securities held to maturity | 8,715,000 | 8,715,000 | 8,715,000 | 8,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,291,469,000 | 1,304,471,000 | 1,317,085,000 | 1,386,469,000 |
| Interest-bearing deposits | 968,879,000 | 971,312,000 | 976,007,000 | 1,060,147,000 |
| Noninterest-bearing deposits | 322,590,000 | 333,159,000 | 341,078,000 | 326,322,000 |
| Equity capital | 118,707,000 | 123,280,000 | 128,268,000 | 125,068,000 |
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 | 16,219,000 | 32,263,000 | 49,022,000 | 65,508,000 |
| Interest expense | 6,256,000 | 12,208,000 | 18,335,000 | 22,799,000 |
| Net interest income | 9,963,000 | 20,055,000 | 30,687,000 | 42,709,000 |
| Noninterest income | 4,732,000 | 9,449,000 | 13,934,000 | 17,530,000 |
| Noninterest expense | 11,995,000 | 23,662,000 | 35,003,000 | 55,565,000 |
| Provision for loan losses | 50,000 | 50,000 | 219,000 | 119,000 |
| Pretax income | 2,650,000 | 5,792,000 | 9,492,000 | -598,000 |
| Income tax | 513,000 | 1,144,000 | 1,812,000 | -396,000 |
| Net income | 2,137,000 | 4,648,000 | 7,680,000 | -202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,008,000 | 127,152,000 | 128,709,000 | 119,107,000 |
| Total capital | 138,800,000 | 138,865,000 | 140,585,000 | 130,860,000 |
| Risk-weighted assets | 1,090,449,000 | 1,092,288,000 | 1,096,241,000 | 1,056,900,000 |