Call reports 2025
COMMUNITY BANK & TRUST COMPANY — 2025
What COMMUNITY BANK & 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 | 295,417,000 | 289,449,000 | 285,527,000 | 319,052,000 |
| Total loans | 165,683,000 | 169,026,000 | 176,145,000 | 190,757,000 |
| Allowance for loan losses | 2,545,000 | 2,576,000 | 2,630,000 | 2,685,000 |
| Securities available for sale | 89,261,000 | 87,199,000 | 87,212,000 | 86,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,930,000 | 267,754,000 | 263,542,000 | 296,426,000 |
| Interest-bearing deposits | 211,351,000 | 208,624,000 | 203,034,000 | 232,458,000 |
| Noninterest-bearing deposits | 62,579,000 | 59,130,000 | 60,508,000 | 63,968,000 |
| Equity capital | 18,073,000 | 18,225,000 | 21,091,000 | 21,557,000 |
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 | 3,317,000 | 6,870,000 | 10,477,000 | 14,218,000 |
| Interest expense | 1,050,000 | 2,196,000 | 3,319,000 | 4,546,000 |
| Net interest income | 2,267,000 | 4,674,000 | 7,158,000 | 9,672,000 |
| Noninterest income | 496,000 | 796,000 | 1,135,000 | 1,464,000 |
| Noninterest expense | 1,754,000 | 3,580,000 | 5,381,000 | 7,430,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 268,000 |
| Pretax income | 952,000 | 1,771,000 | 2,720,000 | 3,408,000 |
| Income tax | 40,000 | 73,000 | 100,000 | 134,000 |
| Net income | 912,000 | 1,698,000 | 2,620,000 | 3,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,526,000 | 24,673,000 | 25,255,000 | 25,483,000 |
| Total capital | 26,962,000 | 27,102,000 | 27,727,000 | 28,168,000 |
| Risk-weighted assets | 194,788,000 | 194,249,000 | 197,665,000 | 215,675,000 |
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