Call reports 2025
CITIZENS BANK & TRUST COMPANY — 2025
What CITIZENS BANK & TRUST COMPANY 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 | 148,216,000 | 153,655,000 | 158,038,000 | 162,958,000 |
| Total loans | 77,532,000 | 81,959,000 | 86,417,000 | 87,863,000 |
| Allowance for loan losses | 1,615,000 | 1,607,000 | 1,646,000 | 1,824,000 |
| Securities available for sale | 35,622,000 | 33,522,000 | 31,754,000 | 33,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,015,000 | 117,416,000 | 119,866,000 | 129,201,000 |
| Interest-bearing deposits | 70,888,000 | 71,249,000 | 70,756,000 | 77,682,000 |
| Noninterest-bearing deposits | 47,127,000 | 46,167,000 | 49,110,000 | 51,519,000 |
| Equity capital | 14,528,000 | 15,377,000 | 16,215,000 | 16,499,000 |
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 | 1,788,000 | 3,710,000 | 5,709,000 | 7,866,000 |
| Interest expense | 453,000 | 947,000 | 1,465,000 | 1,962,000 |
| Net interest income | 1,335,000 | 2,763,000 | 4,244,000 | 5,904,000 |
| Noninterest income | 111,000 | 238,000 | 401,000 | 521,000 |
| Noninterest expense | 818,000 | 1,577,000 | 2,403,000 | 3,722,000 |
| Provision for loan losses | 30,000 | 23,000 | 61,000 | 241,000 |
| Pretax income | 598,000 | 1,364,000 | 2,144,000 | 2,405,000 |
| Income tax | 70,000 | 287,000 | 449,000 | 596,000 |
| Net income | 528,000 | 1,077,000 | 1,695,000 | 1,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,818,000 | 14,367,000 | 14,985,000 | 15,099,000 |
| Total capital | 14,913,000 | 15,492,000 | 16,160,000 | 16,281,000 |
| Risk-weighted assets | 87,125,000 | 89,540,000 | 93,359,000 | 93,770,000 |