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 | 445,946,000 | 449,325,000 | 465,657,000 | 486,051,000 |
| Total loans | 334,441,000 | 344,015,000 | 351,920,000 | 347,972,000 |
| Allowance for loan losses | 5,505,000 | 5,377,000 | 3,311,000 | 3,537,000 |
| Securities available for sale | 32,103,000 | 31,228,000 | 30,200,000 | 28,345,000 |
| Securities held to maturity | 37,614,000 | 35,611,000 | 31,624,000 | 32,380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,799,000 | 383,071,000 | 377,244,000 | 427,978,000 |
| Interest-bearing deposits | 265,725,000 | 267,057,000 | 262,610,000 | 314,456,000 |
| Noninterest-bearing deposits | 125,074,000 | 116,014,000 | 114,634,000 | 113,522,000 |
| Equity capital | 50,164,000 | 50,973,000 | 51,985,000 | 53,297,000 |
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 | 6,011,000 | 11,921,000 | 18,171,000 | 24,607,000 |
| Interest expense | 1,768,000 | 3,569,000 | 5,606,000 | 7,628,000 |
| Net interest income | 4,243,000 | 8,352,000 | 12,565,000 | 16,979,000 |
| Noninterest income | 344,000 | 654,000 | 1,024,000 | 1,524,000 |
| Noninterest expense | 3,255,000 | 6,602,000 | 9,845,000 | 13,163,000 |
| Provision for loan losses | 165,000 | 58,000 | 651,000 | 794,000 |
| Pretax income | 1,167,000 | 2,074,000 | 2,873,000 | 4,305,000 |
| Income tax | 254,000 | 489,000 | 255,000 | 614,000 |
| Net income | 913,000 | 1,585,000 | 2,618,000 | 3,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,066,000 | 51,738,000 | 52,552,000 | 53,625,000 |
| Total capital | 55,742,000 | 56,528,000 | 56,083,000 | 57,403,000 |
| Risk-weighted assets | 373,282,000 | 382,406,000 | 394,764,000 | 387,184,000 |
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