Call reports 2025
CITIZENS BANK OF COCHRAN, THE — 2025
What CITIZENS BANK OF COCHRAN, 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 | 198,579,000 | 196,753,000 | 200,945,000 | 202,944,000 |
| Total loans | 154,295,000 | 163,602,000 | 165,083,000 | 166,362,000 |
| Allowance for loan losses | 2,174,000 | 2,320,000 | 2,454,000 | 2,785,000 |
| Securities available for sale | 12,681,000 | 12,203,000 | 12,002,000 | 11,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,471,000 | 168,781,000 | 171,748,000 | 172,625,000 |
| Interest-bearing deposits | 146,050,000 | 144,030,000 | 146,924,000 | 147,277,000 |
| Noninterest-bearing deposits | 25,421,000 | 24,751,000 | 24,824,000 | 25,348,000 |
| Equity capital | 24,768,000 | 25,690,000 | 27,008,000 | 27,876,000 |
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 | 3,612,000 | 7,228,000 | 10,933,000 | 14,566,000 |
| Interest expense | 1,055,000 | 2,078,000 | 3,097,000 | 4,083,000 |
| Net interest income | 2,557,000 | 5,150,000 | 7,836,000 | 10,483,000 |
| Noninterest income | 119,000 | 253,000 | 408,000 | 611,000 |
| Noninterest expense | 1,295,000 | 2,680,000 | 3,978,000 | 5,398,000 |
| Provision for loan losses | 40,000 | 155,000 | 290,000 | 616,000 |
| Pretax income | 1,326,000 | 2,538,000 | 4,001,000 | 5,210,000 |
| Income tax | 358,000 | 684,000 | 1,047,000 | 1,410,000 |
| Net income | 968,000 | 1,854,000 | 2,954,000 | 3,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,694,000 | 26,580,000 | 27,680,000 | 28,526,000 |
| Total capital | 27,372,000 | 28,357,000 | 29,467,000 | 30,343,000 |
| Risk-weighted assets | 133,572,000 | 141,460,000 | 142,195,000 | 144,404,000 |