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 | 539,218,000 | 541,839,000 | 539,347,000 | 551,687,000 |
| Total loans | 308,732,000 | 314,617,000 | 313,741,000 | 312,213,000 |
| Allowance for loan losses | 4,347,000 | 4,385,000 | 4,526,000 | 4,494,000 |
| Securities available for sale | 116,169,000 | 113,614,000 | 114,511,000 | 115,472,000 |
| Securities held to maturity | 23,518,000 | 23,138,000 | 23,552,000 | 22,962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 479,211,000 | 482,254,000 | 475,746,000 | 488,755,000 |
| Interest-bearing deposits | 362,093,000 | 367,737,000 | 366,807,000 | 378,022,000 |
| Noninterest-bearing deposits | 117,118,000 | 114,517,000 | 108,939,000 | 110,733,000 |
| Equity capital | 57,923,000 | 57,463,000 | 61,150,000 | 60,709,000 |
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 | 6,700,000 | 13,686,000 | 20,750,000 | 27,952,000 |
| Interest expense | 2,200,000 | 4,384,000 | 6,628,000 | 8,834,000 |
| Net interest income | 4,500,000 | 9,302,000 | 14,122,000 | 19,118,000 |
| Noninterest income | 655,000 | 1,407,000 | 2,067,000 | 2,756,000 |
| Noninterest expense | 2,771,000 | 5,505,000 | 8,307,000 | 11,087,000 |
| Provision for loan losses | 158,000 | 217,000 | 337,000 | 362,000 |
| Pretax income | 2,303,000 | 5,004,000 | 7,582,000 | 10,347,000 |
| Income tax | 520,000 | 1,144,000 | 1,779,000 | 2,435,000 |
| Net income | 1,783,000 | 3,860,000 | 5,803,000 | 7,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,432,000 | 63,909,000 | 65,851,000 | 65,060,000 |