Call reports 2025
CITIZENS NATIONAL BANK OF BLUFFTON, THE — 2025
What CITIZENS NATIONAL BANK OF BLUFFTON, THE 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 | 1,051,735,000 | 1,065,092,000 | 1,064,991,000 | 1,076,098,000 |
| Total loans | 847,372,000 | 858,034,000 | 855,414,000 | 869,046,000 |
| Allowance for loan losses | 12,811,000 | 13,004,000 | 13,155,000 | 13,188,000 |
| Securities available for sale | 168,007,000 | 169,203,000 | 178,537,000 | 174,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 829,534,000 | 805,832,000 | 834,711,000 | 794,304,000 |
| Interest-bearing deposits | 618,764,000 | 608,416,000 | 627,936,000 | 605,547,000 |
| Noninterest-bearing deposits | 210,770,000 | 197,416,000 | 206,775,000 | 188,757,000 |
| Equity capital | 102,022,000 | 98,061,000 | 104,778,000 | 108,315,000 |
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 | 15,011,000 | 30,322,000 | 45,877,000 | 61,517,000 |
| Interest expense | 4,251,000 | 8,365,000 | 12,634,000 | 16,656,000 |
| Net interest income | 10,760,000 | 21,957,000 | 33,243,000 | 44,861,000 |
| Noninterest income | 1,508,000 | 3,115,000 | 4,699,000 | 6,401,000 |
| Noninterest expense | 5,807,000 | 11,526,000 | 17,874,000 | 24,640,000 |
| Provision for loan losses | 189,000 | 379,000 | 526,000 | 545,000 |
| Pretax income | 6,272,000 | 13,216,000 | 19,354,000 | 25,860,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,272,000 | 13,216,000 | 19,354,000 | 25,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,737,000 | 119,870,000 | 121,601,000 | 123,701,000 |