Call reports 2025
FIRST CITIZENS NATIONAL BANK — 2025
What FIRST CITIZENS NATIONAL BANK 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 | 2,533,033,000 | 2,537,672,000 | 2,596,073,000 | 2,651,069,000 |
| Total loans | 1,535,896,000 | 1,578,984,000 | 1,604,262,000 | 1,594,325,000 |
| Allowance for loan losses | 18,028,000 | 18,103,000 | 18,516,000 | 18,761,000 |
| Securities available for sale | 741,100,000 | 747,866,000 | 745,136,000 | 737,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,180,843,000 | 2,184,269,000 | 2,215,436,000 | 2,263,116,000 |
| Interest-bearing deposits | 1,810,574,000 | 1,825,642,000 | 1,851,378,000 | 1,879,788,000 |
| Noninterest-bearing deposits | 370,269,000 | 358,627,000 | 364,058,000 | 383,328,000 |
| Equity capital | 200,712,000 | 206,506,000 | 220,987,000 | 231,220,000 |
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 | 30,278,000 | 61,894,000 | 94,100,000 | 127,241,000 |
| Interest expense | 15,146,000 | 30,088,000 | 45,319,000 | 60,373,000 |
| Net interest income | 15,132,000 | 31,806,000 | 48,781,000 | 66,868,000 |
| Noninterest income | 4,474,000 | 8,832,000 | 13,517,000 | 18,033,000 |
| Noninterest expense | 13,429,000 | 26,983,000 | 40,561,000 | 55,801,000 |
| Provision for loan losses | 0 | 240,000 | 600,000 | 960,000 |
| Pretax income | 6,137,000 | 13,409,000 | 21,062,000 | 28,086,000 |
| Income tax | 756,000 | 1,785,000 | 2,780,000 | 3,979,000 |
| Net income | 5,350,000 | 11,562,000 | 18,189,000 | 23,983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 247,876,000 | 250,870,000 | 255,488,000 | 258,772,000 |