Call reports 2025
FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA — 2025
What FIRST NATIONAL BANK & TRUST, ELK CITY, OKLAHOMA 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 | 305,441,000 | 300,236,000 | 295,489,000 | 294,260,000 |
| Total loans | 157,939,000 | 158,829,000 | 163,040,000 | 163,510,000 |
| Allowance for loan losses | 2,911,000 | 2,930,000 | 2,988,000 | 3,060,000 |
| Securities available for sale | 128,041,000 | 113,135,000 | 108,375,000 | 107,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,644,000 | 277,063,000 | 267,997,000 | 264,300,000 |
| Interest-bearing deposits | 224,129,000 | 220,223,000 | 210,195,000 | 206,610,000 |
| Noninterest-bearing deposits | 55,515,000 | 56,840,000 | 57,802,000 | 57,690,000 |
| Equity capital | 23,949,000 | 22,747,000 | 27,068,000 | 27,851,000 |
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 | 4,260,000 | 8,506,000 | 12,812,000 | 16,924,000 |
| Interest expense | 1,464,000 | 2,841,000 | 4,175,000 | 5,396,000 |
| Net interest income | 2,796,000 | 5,665,000 | 8,637,000 | 11,528,000 |
| Noninterest income | 413,000 | 758,000 | 1,380,000 | 1,734,000 |
| Noninterest expense | 1,526,000 | 3,065,000 | 4,623,000 | 6,390,000 |
| Provision for loan losses | 56,000 | 78,000 | 157,000 | 223,000 |
| Pretax income | 1,664,000 | 3,317,000 | 5,161,000 | 6,595,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,664,000 | 3,317,000 | 5,161,000 | 6,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,806,000 | 40,013,000 | 40,413,000 | 40,119,000 |