Call reports 2025
CITIZENS NATIONAL BANK, THE — 2025
What CITIZENS NATIONAL BANK, THE 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 | 219,653,000 | 222,647,000 | 220,885,000 | 224,248,000 |
| Total loans | 89,003,000 | 94,564,000 | 100,685,000 | 108,643,000 |
| Allowance for loan losses | 1,666,000 | 1,675,000 | 1,662,000 | 1,686,000 |
| Securities available for sale | 116,167,000 | 113,755,000 | 111,839,000 | 105,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,688,000 | 207,597,000 | 197,728,000 | 199,715,000 |
| Interest-bearing deposits | 165,443,000 | 168,936,000 | 159,020,000 | 162,107,000 |
| Noninterest-bearing deposits | 39,245,000 | 38,661,000 | 38,708,000 | 37,608,000 |
| Equity capital | 14,492,000 | 14,482,000 | 16,792,000 | 17,523,000 |
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 | 2,139,000 | 4,327,000 | 6,628,000 | 9,018,000 |
| Interest expense | 671,000 | 1,362,000 | 2,075,000 | 2,794,000 |
| Net interest income | 1,468,000 | 2,965,000 | 4,553,000 | 6,224,000 |
| Noninterest income | 398,000 | 835,000 | 1,264,000 | 1,719,000 |
| Noninterest expense | 1,400,000 | 2,849,000 | 4,358,000 | 5,988,000 |
| Provision for loan losses | 4,000 | 12,000 | 30,000 | 55,000 |
| Pretax income | 462,000 | 939,000 | 1,429,000 | 1,887,000 |
| Income tax | 68,000 | 149,000 | 235,000 | 314,000 |
| Net income | 394,000 | 790,000 | 1,194,000 | 1,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,982,000 | 24,077,000 | 24,481,000 | 24,561,000 |
| Total capital | 25,531,000 | 25,531,000 | 26,004,000 | 26,195,000 |
| Risk-weighted assets | 123,825,000 | 116,147,000 | 121,731,000 | 130,721,000 |