Call reports 2025
CITIZENS BANK & TRUST CO. OF JACKSON — 2025
What CITIZENS BANK & TRUST CO. OF JACKSON 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 | 210,102,000 | 215,781,000 | 211,851,000 | 213,207,000 |
| Total loans | 157,617,000 | 160,069,000 | 157,080,000 | 157,231,000 |
| Allowance for loan losses | 2,063,000 | 2,085,000 | 2,075,000 | 2,076,000 |
| Securities available for sale | 23,534,000 | 21,718,000 | 22,334,000 | 23,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,800,000 | 191,262,000 | 187,481,000 | 189,193,000 |
| Interest-bearing deposits | 149,200,000 | 154,504,000 | 152,963,000 | 153,933,000 |
| Noninterest-bearing deposits | 36,600,000 | 36,758,000 | 34,518,000 | 35,260,000 |
| Equity capital | 21,243,000 | 21,464,000 | 22,995,000 | 23,266,000 |
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 | 2,986,000 | 6,084,000 | 9,229,000 | 12,327,000 |
| Interest expense | 821,000 | 1,672,000 | 2,531,000 | 3,358,000 |
| Net interest income | 2,165,000 | 4,412,000 | 6,698,000 | 8,969,000 |
| Noninterest income | 463,000 | 877,000 | 1,992,000 | 2,467,000 |
| Noninterest expense | 1,957,000 | 3,853,000 | 5,778,000 | 7,596,000 |
| Provision for loan losses | 30,000 | 80,000 | 110,000 | 140,000 |
| Pretax income | 641,000 | 1,356,000 | 2,802,000 | 3,700,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 641,000 | 1,356,000 | 2,802,000 | 3,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,315,000 | 19,445,000 | 20,890,000 | 21,114,000 |
| Total capital | 21,108,000 | 21,276,000 | 22,657,000 | 22,903,000 |
| Risk-weighted assets | 143,249,000 | 146,261,000 | 141,099,000 | 142,875,000 |