Call reports 2025
CITIZENS TRI-COUNTY BANK — 2025
What CITIZENS TRI-COUNTY BANK 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 | 1,525,995,000 | 1,551,189,000 | 1,547,659,000 | 1,594,707,000 |
| Total loans | 946,931,000 | 978,884,000 | 1,010,838,000 | 1,077,367,000 |
| Allowance for loan losses | 17,761,000 | 17,795,000 | 17,632,000 | 17,559,000 |
| Securities available for sale | 206,336,000 | 184,666,000 | 193,215,000 | 183,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,386,475,000 | 1,407,889,000 | 1,393,732,000 | 1,446,383,000 |
| Interest-bearing deposits | 1,117,671,000 | 1,138,548,000 | 1,124,440,000 | 1,159,752,000 |
| Noninterest-bearing deposits | 268,804,000 | 269,341,000 | 269,292,000 | 286,631,000 |
| Equity capital | 125,320,000 | 128,484,000 | 138,701,000 | 134,093,000 |
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 | 21,323,000 | 44,044,000 | 66,949,000 | 90,281,000 |
| Interest expense | 8,821,000 | 17,761,000 | 26,641,000 | 35,357,000 |
| Net interest income | 12,502,000 | 26,283,000 | 40,308,000 | 54,924,000 |
| Noninterest income | 1,948,000 | 4,090,000 | 6,275,000 | 8,611,000 |
| Noninterest expense | 8,146,000 | 16,730,000 | 25,576,000 | 34,832,000 |
| Provision for loan losses | -7,000 | -19,000 | 79,000 | 84,000 |
| Pretax income | 6,311,000 | 13,660,000 | 20,924,000 | 28,614,000 |
| Income tax | 7,000 | 18,000 | 28,000 | 48,000 |
| Net income | 6,304,000 | 13,642,000 | 20,896,000 | 28,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,608,000 | 140,982,000 | 148,269,000 | 142,974,000 |