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 | 236,941,000 | 236,178,000 | 249,499,000 | 251,714,000 |
| Total loans | 143,834,000 | 147,077,000 | 157,263,000 | 158,575,000 |
| Allowance for loan losses | 1,386,000 | 1,387,000 | 1,388,000 | 1,390,000 |
| Securities available for sale | 68,963,000 | 67,332,000 | 66,383,000 | 61,733,000 |
| Securities held to maturity | 10,276,000 | 10,277,000 | 10,529,000 | 10,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,758,000 | 191,934,000 | 191,288,000 | 194,541,000 |
| Interest-bearing deposits | 117,970,000 | 116,906,000 | 115,697,000 | 119,048,000 |
| Noninterest-bearing deposits | 68,788,000 | 75,028,000 | 75,591,000 | 75,493,000 |
| Equity capital | 20,779,000 | 20,802,000 | 22,409,000 | 23,100,000 |
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 | 3,053,000 | 6,125,000 | 9,342,000 | 12,617,000 |
| Interest expense | 1,368,000 | 2,640,000 | 4,000,000 | 5,357,000 |
| Net interest income | 1,685,000 | 3,485,000 | 5,342,000 | 7,260,000 |
| Noninterest income | 91,000 | 190,000 | 295,000 | 397,000 |
| Noninterest expense | 1,330,000 | 2,658,000 | 4,046,000 | 5,369,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 446,000 | 1,017,000 | 1,591,000 | 2,287,000 |
| Income tax | 57,000 | 128,000 | 209,000 | 311,000 |
| Net income | 389,000 | 889,000 | 1,382,000 | 1,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,064,000 | 26,964,000 | 27,007,000 | 27,452,000 |