Call reports 2025
CITIZENS NATIONAL BANK — 2025
What CITIZENS NATIONAL 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 | 623,829,000 | 628,112,000 | 642,741,000 | 660,205,000 |
| Total loans | 428,198,000 | 428,040,000 | 434,328,000 | 424,498,000 |
| Allowance for loan losses | 6,615,000 | 6,615,000 | 6,615,000 | 6,652,000 |
| Securities available for sale | 90,865,000 | 95,066,000 | 119,471,000 | 155,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 548,647,000 | 549,961,000 | 561,775,000 | 575,885,000 |
| Interest-bearing deposits | 428,893,000 | 425,863,000 | 434,870,000 | 451,485,000 |
| Noninterest-bearing deposits | 119,754,000 | 124,098,000 | 126,905,000 | 124,400,000 |
| Equity capital | 72,434,000 | 75,638,000 | 78,171,000 | 81,427,000 |
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 | 7,503,000 | 15,544,000 | 23,750,000 | 32,264,000 |
| Interest expense | 2,763,000 | 5,435,000 | 8,048,000 | 10,637,000 |
| Net interest income | 4,740,000 | 10,109,000 | 15,702,000 | 21,627,000 |
| Noninterest income | 397,000 | 1,403,000 | 1,818,000 | 2,213,000 |
| Noninterest expense | 2,750,000 | 5,582,000 | 8,532,000 | 11,703,000 |
| Provision for loan losses | 85,000 | 85,000 | 85,000 | 126,000 |
| Pretax income | 2,320,000 | 5,863,000 | 8,921,000 | 12,070,000 |
| Income tax | 480,000 | 1,167,000 | 1,862,000 | 2,462,000 |
| Net income | 1,840,000 | 4,696,000 | 7,059,000 | 9,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,237,000 | 77,093,000 | 79,454,000 | 82,004,000 |
| Total capital | 79,886,000 | 82,805,000 | 85,588,000 | 88,019,000 |
| Risk-weighted assets | 450,838,000 | 455,949,000 | 490,120,000 | 480,501,000 |