Call reports 2025
CITIZENS BANK AND TRUST, INC. — 2025
What CITIZENS BANK AND TRUST, INC. 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 | 131,642,000 | 129,584,000 | 128,532,000 | 130,338,000 |
| Total loans | 80,321,000 | 79,884,000 | 82,584,000 | 82,419,000 |
| Allowance for loan losses | 1,304,000 | 1,309,000 | 1,325,000 | 1,375,000 |
| Securities available for sale | 23,824,000 | 24,587,000 | 23,934,000 | 22,825,000 |
| Securities held to maturity | 9,580,000 | 9,395,000 | 9,385,000 | 9,126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,778,000 | 115,287,000 | 113,313,000 | 114,499,000 |
| Interest-bearing deposits | 87,711,000 | 85,960,000 | 84,004,000 | 85,108,000 |
| Noninterest-bearing deposits | 30,067,000 | 29,327,000 | 29,309,000 | 29,391,000 |
| Equity capital | 13,143,000 | 13,752,000 | 14,624,000 | 15,303,000 |
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 | 1,832,000 | 3,753,000 | 5,673,000 | 7,608,000 |
| Interest expense | 251,000 | 502,000 | 754,000 | 1,005,000 |
| Net interest income | 1,581,000 | 3,251,000 | 4,919,000 | 6,603,000 |
| Noninterest income | 272,000 | 543,000 | 808,000 | 1,054,000 |
| Noninterest expense | 1,145,000 | 2,242,000 | 3,430,000 | 4,524,000 |
| Provision for loan losses | 43,000 | 86,000 | 119,000 | 192,000 |
| Pretax income | 665,000 | 1,466,000 | 2,179,000 | 2,942,000 |
| Income tax | 161,000 | 351,000 | 534,000 | 723,000 |
| Net income | 504,000 | 1,115,000 | 1,645,000 | 2,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,979,000 | 15,590,000 | 16,120,000 | 16,694,000 |
| Total capital | 15,899,000 | 16,507,000 | 17,056,000 | 17,634,000 |
| Risk-weighted assets | 73,174,000 | 72,916,000 | 74,432,000 | 74,738,000 |