Call reports 2025
CITIZENS NATIONAL BANK OF ALBION — 2025
What CITIZENS NATIONAL BANK OF ALBION 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 | 346,932,000 | 346,905,000 | 350,759,000 | 345,712,000 |
| Total loans | 225,363,000 | 225,841,000 | 228,470,000 | 231,593,000 |
| Allowance for loan losses | 3,107,000 | 3,196,000 | 3,220,000 | 3,260,000 |
| Securities available for sale | 89,372,000 | 93,195,000 | 93,992,000 | 91,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,370,000 | 285,636,000 | 287,147,000 | 282,950,000 |
| Interest-bearing deposits | 231,567,000 | 232,052,000 | 236,409,000 | 227,433,000 |
| Noninterest-bearing deposits | 54,803,000 | 53,584,000 | 50,738,000 | 55,517,000 |
| Equity capital | 56,589,000 | 57,001,000 | 59,487,000 | 58,624,000 |
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 | 4,018,000 | 8,091,000 | 12,356,000 | 16,705,000 |
| Interest expense | 1,245,000 | 2,492,000 | 3,776,000 | 5,047,000 |
| Net interest income | 2,773,000 | 5,599,000 | 8,580,000 | 11,658,000 |
| Noninterest income | 340,000 | 709,000 | 1,107,000 | 1,482,000 |
| Noninterest expense | 1,699,000 | 3,421,000 | 5,210,000 | 7,288,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,373,000 | 2,802,000 | 4,347,000 | 5,680,000 |
| Income tax | 329,000 | 669,000 | 1,036,000 | 1,339,000 |
| Net income | 1,044,000 | 2,133,000 | 3,311,000 | 4,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,768,000 | 59,257,000 | 60,435,000 | 59,345,000 |
| Total capital | 61,724,000 | 62,257,000 | 63,470,000 | 62,361,000 |
| Risk-weighted assets | 236,321,000 | 239,707,000 | 242,592,000 | 240,935,000 |