Call reports 2025
CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY — 2025
What CITIZENS BANK AND TRUST COMPANY OF GRAINGER COUNTY 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 | 268,711,000 | 262,441,000 | 267,325,000 | 272,647,000 |
| Total loans | 105,904,000 | 109,929,000 | 111,413,000 | 113,321,000 |
| Allowance for loan losses | 1,168,000 | 1,261,000 | 1,245,000 | 1,281,000 |
| Securities available for sale | 132,911,000 | 127,860,000 | 129,980,000 | 130,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,242,000 | 234,690,000 | 237,716,000 | 242,087,000 |
| Interest-bearing deposits | 157,982,000 | 153,078,000 | 153,651,000 | 160,368,000 |
| Noninterest-bearing deposits | 84,260,000 | 81,612,000 | 84,065,000 | 81,719,000 |
| Equity capital | 25,117,000 | 24,622,000 | 28,425,000 | 29,337,000 |
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 | 2,558,000 | 5,181,000 | 7,807,000 | 10,507,000 |
| Interest expense | 458,000 | 921,000 | 1,330,000 | 1,756,000 |
| Net interest income | 2,100,000 | 4,260,000 | 6,477,000 | 8,751,000 |
| Noninterest income | 250,000 | 514,000 | 779,000 | 1,020,000 |
| Noninterest expense | 1,464,000 | 3,040,000 | 4,489,000 | 6,063,000 |
| Provision for loan losses | -12,000 | 86,000 | 66,000 | 102,000 |
| Pretax income | 880,000 | 1,653,000 | 2,714,000 | 3,590,000 |
| Income tax | 143,000 | 257,000 | 445,000 | 579,000 |
| Net income | 737,000 | 1,396,000 | 2,269,000 | 3,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,769,000 | 40,468,000 | 41,341,000 | 40,963,000 |