Call reports 2025
CITIZENS BANK & TRUST — 2025
What CITIZENS BANK & 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 | 109,952,000 | 104,327,000 | 102,932,000 | 114,514,000 |
| Total loans | 49,936,000 | 50,902,000 | 53,197,000 | 53,447,000 |
| Allowance for loan losses | 573,000 | 565,000 | 565,000 | 565,000 |
| Securities available for sale | 47,571,000 | 43,068,000 | 42,485,000 | 45,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,363,000 | 90,961,000 | 88,716,000 | 100,344,000 |
| Interest-bearing deposits | 73,500,000 | 68,768,000 | 67,383,000 | 78,184,000 |
| Noninterest-bearing deposits | 23,863,000 | 22,193,000 | 21,333,000 | 22,160,000 |
| Equity capital | 10,248,000 | 10,909,000 | 11,374,000 | 11,897,000 |
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 | 1,173,000 | 2,380,000 | 3,409,000 | 4,832,000 |
| Interest expense | 317,000 | 627,000 | 916,000 | 1,199,000 |
| Net interest income | 856,000 | 1,753,000 | 2,493,000 | 3,633,000 |
| Noninterest income | 90,000 | 192,000 | 299,000 | 405,000 |
| Noninterest expense | 679,000 | 1,348,000 | 2,032,000 | 2,696,000 |
| Provision for loan losses | 0 | 0 | 0 | 11,000 |
| Pretax income | 266,000 | 593,000 | 754,000 | 1,326,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 263,000 | 590,000 | 751,000 | 1,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,885,000 | 13,112,000 | 13,173,000 | 13,445,000 |