Call reports 2025
CITIZENS BANK AND TRUST COMPANY — 2025
What CITIZENS BANK AND 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 | 105,925,000 | 100,016,000 | 96,646,000 | 101,243,000 |
| Total loans | 63,846,000 | 68,406,000 | 68,441,000 | 64,270,000 |
| Allowance for loan losses | 1,965,000 | 1,943,000 | 1,995,000 | 2,066,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,322,000 | 9,060,000 | 9,190,000 | 9,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,410,000 | 85,031,000 | 81,189,000 | 86,228,000 |
| Interest-bearing deposits | 62,834,000 | 58,684,000 | 55,449,000 | 58,107,000 |
| Noninterest-bearing deposits | 28,576,000 | 26,347,000 | 25,740,000 | 28,121,000 |
| Equity capital | 12,749,000 | 13,380,000 | 13,765,000 | 13,779,000 |
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 | 1,581,000 | 3,135,000 | 4,942,000 | 6,427,000 |
| Interest expense | 416,000 | 792,000 | 1,148,000 | 1,463,000 |
| Net interest income | 1,165,000 | 2,343,000 | 3,794,000 | 4,964,000 |
| Noninterest income | 171,000 | 349,000 | 524,000 | 690,000 |
| Noninterest expense | 1,084,000 | 2,124,000 | 3,167,000 | 4,215,000 |
| Provision for loan losses | 0 | 0 | 82,000 | 172,000 |
| Pretax income | 252,000 | 568,000 | 1,069,000 | 1,267,000 |
| Income tax | 52,000 | 135,000 | 251,000 | 291,000 |
| Net income | 200,000 | 433,000 | 818,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,749,000 | 13,380,000 | 13,765,000 | 13,779,000 |
| Total capital | 13,712,000 | 14,423,000 | 14,799,000 | 14,791,000 |
| Risk-weighted assets | 76,028,000 | 82,559,000 | 81,750,000 | 79,935,000 |