Call reports 2025
ZENITH BANK & TRUST — 2025
What ZENITH BANK & TRUST 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 | 116,961,000 | 109,545,000 | 115,963,000 | 106,587,000 |
| Total loans | 40,590,000 | 39,185,000 | 51,064,000 | 52,648,000 |
| Allowance for loan losses | 330,000 | 358,000 | 501,000 | 520,000 |
| Securities available for sale | 4,896,000 | 4,792,000 | 3,960,000 | 1,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,718,000 | 86,135,000 | 92,446,000 | 83,278,000 |
| Interest-bearing deposits | 70,963,000 | 67,854,000 | 67,936,000 | 62,837,000 |
| Noninterest-bearing deposits | 22,755,000 | 18,281,000 | 24,510,000 | 20,441,000 |
| Equity capital | 21,443,000 | 21,512,000 | 21,546,000 | 21,565,000 |
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 | 1,335,000 | 2,753,000 | 4,228,000 | 5,679,000 |
| Interest expense | 499,000 | 1,048,000 | 1,619,000 | 2,113,000 |
| Net interest income | 836,000 | 1,705,000 | 2,609,000 | 3,566,000 |
| Noninterest income | 64,000 | 90,000 | 120,000 | 172,000 |
| Noninterest expense | 955,000 | 1,801,000 | 2,584,000 | 3,411,000 |
| Provision for loan losses | 139,000 | 168,000 | 310,000 | 329,000 |
| Pretax income | -199,000 | -179,000 | -170,000 | -21,000 |
| Income tax | 0 | -53,000 | -52,000 | 80,000 |
| Net income | -199,000 | -126,000 | -118,000 | -101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,450,000 | 21,523,000 | 21,531,000 | 21,548,000 |
| Total capital | 21,795,000 | 21,896,000 | 22,047,000 | 22,097,000 |
| Risk-weighted assets | 39,973,000 | 42,016,000 | 54,163,000 | 62,916,000 |