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 | 300,424,000 | 301,658,000 | 305,339,000 | 323,759,000 |
| Total loans | 202,590,000 | 207,707,000 | 209,080,000 | 220,798,000 |
| Allowance for loan losses | 4,280,000 | 4,233,000 | 4,269,000 | 4,401,000 |
| Securities available for sale | 82,329,000 | 80,713,000 | 82,790,000 | 81,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,918,000 | 250,624,000 | 252,168,000 | 272,030,000 |
| Interest-bearing deposits | 188,776,000 | 187,762,000 | 182,230,000 | 196,193,000 |
| Noninterest-bearing deposits | 64,142,000 | 62,862,000 | 69,938,000 | 75,837,000 |
| Equity capital | 38,994,000 | 39,983,000 | 42,100,000 | 43,267,000 |
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 | 4,325,000 | 8,608,000 | 13,093,000 | 17,699,000 |
| Interest expense | 1,129,000 | 2,231,000 | 3,330,000 | 4,395,000 |
| Net interest income | 3,196,000 | 6,377,000 | 9,763,000 | 13,304,000 |
| Noninterest income | 620,000 | 1,261,000 | 1,890,000 | 2,560,000 |
| Noninterest expense | 2,232,000 | 4,619,000 | 7,129,000 | 9,902,000 |
| Provision for loan losses | 75,000 | 275,000 | 875,000 | 1,275,000 |
| Pretax income | 1,509,000 | 2,744,000 | 3,649,000 | 4,687,000 |
| Income tax | 66,000 | 120,000 | 160,000 | 173,000 |
| Net income | 1,443,000 | 2,624,000 | 3,489,000 | 4,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,740,000 | 44,121,000 | 44,876,000 | 45,799,000 |