Call reports 2025
CITIZENS TRUST BANK — 2025
What CITIZENS TRUST 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 | 769,241,000 | 777,816,000 | 767,393,000 | 795,547,000 |
| Total loans | 398,795,000 | 397,619,000 | 382,416,000 | 380,527,000 |
| Allowance for loan losses | 4,637,000 | 4,712,000 | 4,561,000 | 4,640,000 |
| Securities available for sale | 262,430,000 | 264,573,000 | 248,862,000 | 276,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 663,948,000 | 678,999,000 | 659,040,000 | 682,470,000 |
| Interest-bearing deposits | 384,847,000 | 391,665,000 | 387,089,000 | 397,744,000 |
| Noninterest-bearing deposits | 279,101,000 | 287,334,000 | 271,951,000 | 284,726,000 |
| Equity capital | 91,708,000 | 87,920,000 | 97,559,000 | 101,797,000 |
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 | 9,817,000 | 19,687,000 | 29,602,000 | 39,446,000 |
| Interest expense | 1,735,000 | 3,517,000 | 5,234,000 | 6,919,000 |
| Net interest income | 8,082,000 | 16,170,000 | 24,368,000 | 32,527,000 |
| Noninterest income | 1,192,000 | 2,446,000 | 3,737,000 | 5,207,000 |
| Noninterest expense | 4,770,000 | 9,559,000 | 14,215,000 | 19,078,000 |
| Provision for loan losses | 0 | 119,000 | 315,000 | 423,000 |
| Pretax income | 4,504,000 | 8,938,000 | 13,575,000 | 18,233,000 |
| Income tax | 1,036,000 | 2,056,000 | 3,122,000 | 4,194,000 |
| Net income | 3,468,000 | 6,882,000 | 10,453,000 | 14,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,477,000 | 94,891,000 | 103,462,000 | 107,049,000 |
| Total capital | 104,521,000 | 100,010,000 | 108,429,000 | 112,096,000 |
| Risk-weighted assets | 465,986,000 | 470,678,000 | 454,672,000 | 445,444,000 |