Call reports 2025
CITY BANK & TRUST CO. — 2025
What CITY BANK & TRUST CO. 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 | 333,457,000 | 323,709,000 | 323,741,000 | 334,436,000 |
| Total loans | 293,168,000 | 295,203,000 | 291,980,000 | 303,011,000 |
| Allowance for loan losses | 2,841,000 | 2,941,000 | 3,240,000 | 3,325,000 |
| Securities available for sale | 15,695,000 | 14,458,000 | 13,698,000 | 13,888,000 |
| Securities held to maturity | 741,000 | 721,000 | 721,000 | 660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,549,000 | 281,517,000 | 273,471,000 | 287,908,000 |
| Interest-bearing deposits | 250,026,000 | 226,027,000 | 217,775,000 | 237,478,000 |
| Noninterest-bearing deposits | 49,523,000 | 55,490,000 | 55,696,000 | 50,430,000 |
| Equity capital | 32,312,000 | 33,188,000 | 33,897,000 | 35,173,000 |
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 | 4,468,000 | 9,172,000 | 13,896,000 | 18,668,000 |
| Interest expense | 2,042,000 | 3,999,000 | 5,705,000 | 7,477,000 |
| Net interest income | 2,426,000 | 5,173,000 | 8,191,000 | 11,191,000 |
| Noninterest income | 188,000 | 524,000 | 844,000 | 1,220,000 |
| Noninterest expense | 1,819,000 | 3,734,000 | 5,591,000 | 7,458,000 |
| Provision for loan losses | 500,000 | 600,000 | 900,000 | 1,000,000 |
| Pretax income | 295,000 | 1,363,000 | 2,544,000 | 3,953,000 |
| Income tax | 14,000 | 39,000 | 72,000 | 111,000 |
| Net income | 281,000 | 1,324,000 | 2,472,000 | 3,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,295,000 | 33,136,000 | 33,832,000 | 35,096,000 |