Call reports 2025
CITIZENS BANK & TRUST — 2025
What CITIZENS BANK & TRUST 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 | 1,104,951,000 | 1,087,618,000 | 1,098,242,000 | 1,088,715,000 |
| Total loans | 603,928,000 | 610,449,000 | 611,151,000 | 628,883,000 |
| Allowance for loan losses | 6,946,000 | 7,011,000 | 6,727,000 | 6,590,000 |
| Securities available for sale | 269,182,000 | 261,957,000 | 269,888,000 | 274,989,000 |
| Securities held to maturity | 35,155,000 | 34,657,000 | 34,091,000 | 33,581,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 997,392,000 | 994,002,000 | 997,310,000 | 991,349,000 |
| Interest-bearing deposits | 793,574,000 | 790,214,000 | 790,304,000 | 792,421,000 |
| Noninterest-bearing deposits | 203,818,000 | 203,788,000 | 207,006,000 | 198,928,000 |
| Equity capital | 63,171,000 | 64,384,000 | 71,539,000 | 73,257,000 |
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 | 11,323,000 | 23,741,000 | 36,283,000 | 48,847,000 |
| Interest expense | 5,000,000 | 10,491,000 | 15,925,000 | 21,293,000 |
| Net interest income | 6,323,000 | 13,250,000 | 20,358,000 | 27,554,000 |
| Noninterest income | 1,335,000 | 2,814,000 | 4,224,000 | 5,672,000 |
| Noninterest expense | 6,280,000 | 12,340,000 | 18,876,000 | 25,423,000 |
| Provision for loan losses | 57,000 | 112,000 | 112,000 | 387,000 |
| Pretax income | 1,067,000 | 3,358,000 | 5,201,000 | 7,150,000 |
| Income tax | -13,000 | 378,000 | 598,000 | 873,000 |
| Net income | 1,080,000 | 2,980,000 | 4,603,000 | 6,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,343,000 | 100,830,000 | 102,205,000 | 102,229,000 |
| Total capital | 106,700,000 | 108,251,000 | 109,342,000 | 109,102,000 |
| Risk-weighted assets | 686,989,000 | 697,225,000 | 697,029,000 | 717,273,000 |