Call reports 2025
CITIZENS BANK AND TRUST — 2025
What CITIZENS BANK AND 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 | 1,396,591,000 | 1,393,816,000 | 1,454,191,000 | 1,447,209,000 |
| Total loans | 798,457,000 | 836,765,000 | 837,607,000 | 859,348,000 |
| Allowance for loan losses | 8,387,000 | 9,037,000 | 9,285,000 | 10,483,000 |
| Securities available for sale | 503,902,000 | 496,822,000 | 492,684,000 | 482,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,334,858,000 | 1,329,560,000 | 1,376,937,000 | 1,372,745,000 |
| Interest-bearing deposits | 863,880,000 | 894,710,000 | 954,176,000 | 950,989,000 |
| Noninterest-bearing deposits | 470,978,000 | 434,850,000 | 422,761,000 | 421,756,000 |
| Equity capital | 35,848,000 | 41,622,000 | 50,160,000 | 55,447,000 |
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 | 14,924,000 | 30,687,000 | 47,025,000 | 63,329,000 |
| Interest expense | 4,855,000 | 10,038,000 | 15,523,000 | 20,787,000 |
| Net interest income | 10,069,000 | 20,649,000 | 31,502,000 | 42,542,000 |
| Noninterest income | 2,569,000 | 5,244,000 | 8,097,000 | 11,049,000 |
| Noninterest expense | 8,806,000 | 17,716,000 | 26,786,000 | 35,932,000 |
| Provision for loan losses | 405,000 | 1,135,000 | 1,541,000 | 2,910,000 |
| Pretax income | 3,399,000 | 6,817,000 | 11,120,000 | 14,540,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,399,000 | 6,817,000 | 11,120,000 | 14,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,489,000 | 112,393,000 | 114,808,000 | 116,062,000 |
| Total capital | 119,226,000 | 121,978,000 | 124,568,000 | 127,077,000 |
| Risk-weighted assets | 905,143,000 | 945,228,000 | 940,060,000 | 953,617,000 |