Call reports 2025
CITIZENS NATIONAL BANK OF MERIDIAN, THE — 2025
What CITIZENS NATIONAL BANK OF MERIDIAN, 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 | 1,797,670,000 | 1,762,265,000 | 1,788,250,000 | 1,794,596,000 |
| Total loans | 1,218,511,000 | 1,255,665,000 | 1,275,250,000 | 1,294,061,000 |
| Allowance for loan losses | 14,079,000 | 14,907,000 | 15,437,000 | 15,849,000 |
| Securities available for sale | 216,748,000 | 216,343,000 | 216,550,000 | 216,984,000 |
| Securities held to maturity | 172,701,000 | 189,729,000 | 186,852,000 | 180,848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,582,341,000 | 1,509,003,000 | 1,538,149,000 | 1,504,805,000 |
| Interest-bearing deposits | 1,388,639,000 | 1,315,280,000 | 1,335,743,000 | 1,304,755,000 |
| Noninterest-bearing deposits | 193,702,000 | 193,723,000 | 202,406,000 | 200,050,000 |
| Equity capital | 177,227,000 | 182,773,000 | 189,466,000 | 185,014,000 |
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 | 20,520,000 | 42,688,000 | 64,666,000 | 86,823,000 |
| Interest expense | 7,083,000 | 14,252,000 | 21,574,000 | 29,046,000 |
| Net interest income | 13,437,000 | 28,436,000 | 43,092,000 | 57,777,000 |
| Noninterest income | 6,049,000 | 12,171,000 | 18,998,000 | 25,951,000 |
| Noninterest expense | 12,850,000 | 25,863,000 | 39,363,000 | 53,163,000 |
| Provision for loan losses | 225,000 | 1,090,000 | 1,715,000 | 2,539,000 |
| Pretax income | 6,411,000 | 13,914,000 | 21,272,000 | 28,291,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,411,000 | 13,914,000 | 21,272,000 | 28,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 203,432,000 | 206,295,000 | 210,223,000 | 203,951,000 |
| Total capital | 217,511,000 | 221,202,000 | 225,660,000 | 219,800,000 |
| Risk-weighted assets | 1,460,721,000 | 1,515,293,000 | 1,536,395,000 | 1,588,019,000 |