Call reports 2025
CITIZENS BANK AND TRUST COMPANY — 2025
What CITIZENS BANK AND TRUST COMPANY 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 | 566,488,000 | 561,563,000 | 568,828,000 | 578,364,000 |
| Total loans | 269,641,000 | 274,814,000 | 276,199,000 | 280,012,000 |
| Allowance for loan losses | 3,381,000 | 3,438,000 | 3,498,000 | 3,584,000 |
| Securities available for sale | 219,259,000 | 216,861,000 | 210,547,000 | 212,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,162,000 | 478,332,000 | 480,247,000 | 487,621,000 |
| Interest-bearing deposits | 369,476,000 | 366,463,000 | 362,358,000 | 374,558,000 |
| Noninterest-bearing deposits | 114,686,000 | 111,869,000 | 117,889,000 | 113,063,000 |
| Equity capital | 70,388,000 | 73,140,000 | 76,832,000 | 79,584,000 |
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 | 6,423,000 | 13,192,000 | 20,198,000 | 27,326,000 |
| Interest expense | 1,119,000 | 2,307,000 | 3,482,000 | 4,665,000 |
| Net interest income | 5,304,000 | 10,885,000 | 16,716,000 | 22,661,000 |
| Noninterest income | 868,000 | 1,719,000 | 2,510,000 | 3,199,000 |
| Noninterest expense | 3,046,000 | 6,151,000 | 9,449,000 | 13,012,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 285,000 |
| Pretax income | 3,066,000 | 6,333,000 | 9,595,000 | 12,559,000 |
| Income tax | 574,000 | 1,207,000 | 1,836,000 | 2,405,000 |
| Net income | 2,492,000 | 5,126,000 | 7,759,000 | 10,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,665,000 | 82,549,000 | 84,432,000 | 86,052,000 |