Call reports 2025
FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE — 2025
What FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, 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 | 381,230,000 | 364,755,000 | 367,871,000 | 367,550,000 |
| Total loans | 222,516,000 | 214,674,000 | 212,519,000 | 224,695,000 |
| Allowance for loan losses | 2,621,000 | 2,621,000 | 2,475,000 | 2,428,000 |
| Securities available for sale | 97,958,000 | 98,507,000 | 98,413,000 | 95,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,716,000 | 311,929,000 | 312,283,000 | 307,116,000 |
| Interest-bearing deposits | 215,564,000 | 210,637,000 | 210,089,000 | 202,956,000 |
| Noninterest-bearing deposits | 108,152,000 | 101,292,000 | 102,194,000 | 104,160,000 |
| Equity capital | 39,929,000 | 40,867,000 | 42,530,000 | 43,080,000 |
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 | 3,830,000 | 7,745,000 | 11,589,000 | 15,538,000 |
| Interest expense | 783,000 | 1,622,000 | 2,390,000 | 3,079,000 |
| Net interest income | 3,047,000 | 6,123,000 | 9,199,000 | 12,459,000 |
| Noninterest income | 393,000 | 856,000 | 1,354,000 | 1,893,000 |
| Noninterest expense | 2,976,000 | 5,852,000 | 8,663,000 | 12,246,000 |
| Provision for loan losses | 0 | 0 | -150,000 | -200,000 |
| Pretax income | 461,000 | 1,124,000 | 2,007,000 | 2,202,000 |
| Income tax | 50,000 | 140,000 | 274,000 | 263,000 |
| Net income | 411,000 | 984,000 | 1,733,000 | 1,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,992,000 | 47,373,000 | 47,930,000 | 47,943,000 |