Call reports 2025
FIRST BANK AND TRUST COMPANY — 2025
What FIRST BANK AND TRUST COMPANY 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 | 96,474,000 | 95,345,000 | 93,921,000 | 93,573,000 |
| Total loans | 48,690,000 | 49,647,000 | 49,747,000 | 48,988,000 |
| Allowance for loan losses | 735,000 | 740,000 | 744,000 | 747,000 |
| Securities available for sale | 37,453,000 | 37,748,000 | 36,276,000 | 36,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,396,000 | 68,552,000 | 66,959,000 | 69,219,000 |
| Interest-bearing deposits | 60,949,000 | 56,881,000 | 55,844,000 | 58,114,000 |
| Noninterest-bearing deposits | 12,447,000 | 11,671,000 | 11,115,000 | 11,105,000 |
| Equity capital | 8,239,000 | 8,726,000 | 9,395,000 | 9,425,000 |
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 | 1,144,000 | 2,319,000 | 3,494,000 | 4,609,000 |
| Interest expense | 423,000 | 854,000 | 1,273,000 | 1,673,000 |
| Net interest income | 721,000 | 1,465,000 | 2,221,000 | 2,936,000 |
| Noninterest income | 102,000 | 179,000 | 282,000 | 380,000 |
| Noninterest expense | 594,000 | 1,211,000 | 1,811,000 | 2,529,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 273,000 | 487,000 | 786,000 | 886,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 22,000 |
| Net income | 268,000 | 478,000 | 772,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,438,000 | 9,647,000 | 9,941,000 | 9,804,000 |
| Total capital | 10,080,000 | 10,314,000 | 10,606,000 | 10,469,000 |
| Risk-weighted assets | 51,277,000 | 53,363,000 | 53,149,000 | 53,164,000 |