Call reports 2025
CITIZENS NATIONAL BANK OF CHEBOYGAN — 2025
What CITIZENS NATIONAL BANK OF CHEBOYGAN 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 | 467,180,000 | 469,189,000 | 492,930,000 | 470,995,000 |
| Total loans | 241,098,000 | 246,086,000 | 255,647,000 | 259,370,000 |
| Allowance for loan losses | 3,400,000 | 3,430,000 | 3,431,000 | 3,517,000 |
| Securities available for sale | 178,060,000 | 174,660,000 | 172,051,000 | 167,189,000 |
| Securities held to maturity | 5,970,000 | 5,489,000 | 5,444,000 | 5,402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,275,000 | 441,496,000 | 468,293,000 | 422,291,000 |
| Interest-bearing deposits | 304,009,000 | 283,975,000 | 299,447,000 | 272,234,000 |
| Noninterest-bearing deposits | 144,266,000 | 157,521,000 | 168,846,000 | 150,057,000 |
| Equity capital | 13,021,000 | 15,399,000 | 18,068,000 | 20,609,000 |
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 | 4,692,000 | 9,409,000 | 14,255,000 | 19,184,000 |
| Interest expense | 796,000 | 1,597,000 | 2,214,000 | 2,764,000 |
| Net interest income | 3,896,000 | 7,812,000 | 12,041,000 | 16,420,000 |
| Noninterest income | 616,000 | 1,260,000 | 2,099,000 | 2,943,000 |
| Noninterest expense | 3,578,000 | 7,095,000 | 10,651,000 | 14,446,000 |
| Provision for loan losses | 8,000 | 45,000 | 51,000 | 140,000 |
| Pretax income | 926,000 | 1,932,000 | 3,438,000 | 4,801,000 |
| Income tax | 170,000 | 356,000 | 641,000 | 900,000 |
| Net income | 756,000 | 1,576,000 | 2,797,000 | 3,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,381,000 | 37,203,000 | 37,937,000 | 39,041,000 |
| Total capital | 39,781,000 | 40,633,000 | 41,368,000 | 42,452,000 |
| Risk-weighted assets | 259,488,000 | 263,907,000 | 271,416,000 | 272,726,000 |