Call reports 2025
CITIZENS FIRST NATIONAL BANK — 2025
What CITIZENS FIRST 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 | 253,793,000 | 250,888,000 | 256,027,000 | 260,221,000 |
| Total loans | 146,459,000 | 148,550,000 | 148,319,000 | 146,851,000 |
| Allowance for loan losses | 2,471,000 | 2,411,000 | 2,277,000 | 2,388,000 |
| Securities available for sale | 84,486,000 | 75,666,000 | 77,047,000 | 94,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,725,000 | 210,476,000 | 213,763,000 | 217,704,000 |
| Interest-bearing deposits | 179,491,000 | 173,277,000 | 173,775,000 | 171,682,000 |
| Noninterest-bearing deposits | 35,234,000 | 37,199,000 | 39,988,000 | 46,022,000 |
| Equity capital | 33,745,000 | 35,246,000 | 37,159,000 | 37,625,000 |
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 | 3,132,000 | 6,340,000 | 9,713,000 | 13,305,000 |
| Interest expense | 827,000 | 1,635,000 | 2,420,000 | 3,185,000 |
| Net interest income | 2,305,000 | 4,705,000 | 7,293,000 | 10,120,000 |
| Noninterest income | 703,000 | 1,557,000 | 2,380,000 | 3,793,000 |
| Noninterest expense | 1,711,000 | 3,564,000 | 5,374,000 | 7,191,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,297,000 | 2,698,000 | 4,299,000 | 6,722,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,297,000 | 2,698,000 | 4,299,000 | 6,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,421,000 | 35,821,000 | 37,422,000 | 37,845,000 |
| Total capital | 36,340,000 | 37,739,000 | 39,345,000 | 39,730,000 |
| Risk-weighted assets | 152,976,000 | 152,917,000 | 153,523,000 | 150,412,000 |