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 | 186,757,000 | 182,246,000 | 174,754,000 | 175,876,000 |
| Total loans | 139,764,000 | 138,075,000 | 132,688,000 | 129,326,000 |
| Allowance for loan losses | 1,379,000 | 1,430,000 | 1,561,000 | 1,446,000 |
| Securities available for sale | 23,806,000 | 22,130,000 | 22,314,000 | 22,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,323,000 | 161,427,000 | 153,803,000 | 155,015,000 |
| Interest-bearing deposits | 115,971,000 | 115,059,000 | 111,733,000 | 112,194,000 |
| Noninterest-bearing deposits | 51,352,000 | 46,368,000 | 42,070,000 | 42,821,000 |
| Equity capital | 17,332,000 | 18,102,000 | 18,684,000 | 18,957,000 |
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 | 2,622,000 | 5,376,000 | 7,954,000 | 10,482,000 |
| Interest expense | 918,000 | 1,801,000 | 2,628,000 | 3,454,000 |
| Net interest income | 1,704,000 | 3,575,000 | 5,326,000 | 7,028,000 |
| Noninterest income | 95,000 | 204,000 | 305,000 | 427,000 |
| Noninterest expense | 1,239,000 | 2,534,000 | 3,818,000 | 5,012,000 |
| Provision for loan losses | 0 | 50,000 | 180,000 | 300,000 |
| Pretax income | 550,000 | 1,223,000 | 1,677,000 | 2,173,000 |
| Income tax | 118,000 | 276,000 | 362,000 | 449,000 |
| Net income | 432,000 | 947,000 | 1,315,000 | 1,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,198,000 | 19,713,000 | 20,081,000 | 20,190,000 |