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 | 339,332,000 | 367,236,000 | 364,843,000 | 376,087,000 |
| Total loans | 191,585,000 | 194,257,000 | 197,987,000 | 198,977,000 |
| Allowance for loan losses | 3,267,000 | 3,269,000 | 3,273,000 | 3,253,000 |
| Securities available for sale | 120,639,000 | 136,195,000 | 148,865,000 | 144,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,728,000 | 321,801,000 | 317,152,000 | 328,076,000 |
| Interest-bearing deposits | 230,570,000 | 255,121,000 | 253,281,000 | 261,113,000 |
| Noninterest-bearing deposits | 64,158,000 | 66,680,000 | 63,871,000 | 66,963,000 |
| Equity capital | 42,017,000 | 43,221,000 | 45,373,000 | 45,990,000 |
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 | 4,193,000 | 8,590,000 | 13,233,000 | 17,663,000 |
| Interest expense | 1,750,000 | 3,559,000 | 5,483,000 | 7,418,000 |
| Net interest income | 2,443,000 | 5,031,000 | 7,750,000 | 10,245,000 |
| Noninterest income | 328,000 | 561,000 | 832,000 | 1,182,000 |
| Noninterest expense | 1,762,000 | 3,529,000 | 5,336,000 | 7,019,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,009,000 | 2,063,000 | 3,246,000 | 4,408,000 |
| Income tax | 210,000 | 370,000 | 525,000 | 855,000 |
| Net income | 799,000 | 1,693,000 | 2,721,000 | 3,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,088,000 | 47,332,000 | 48,361,000 | 48,543,000 |