Call reports 2025
CITIZENS NATIONAL BANK — 2025
What 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 | 96,037,000 | 93,363,000 | 101,498,000 | 103,246,000 |
| Total loans | 35,217,000 | 31,789,000 | 31,635,000 | 37,200,000 |
| Allowance for loan losses | 670,000 | 670,000 | 594,000 | 594,000 |
| Securities available for sale | 40,173,000 | 37,323,000 | 34,804,000 | 33,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,688,000 | 80,662,000 | 87,854,000 | 90,190,000 |
| Interest-bearing deposits | 43,882,000 | 43,346,000 | 42,922,000 | 46,043,000 |
| Noninterest-bearing deposits | 39,806,000 | 37,316,000 | 44,932,000 | 44,147,000 |
| Equity capital | 10,590,000 | 10,893,000 | 11,522,000 | 11,779,000 |
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 | 1,069,000 | 2,110,000 | 3,137,000 | 4,204,000 |
| Interest expense | 84,000 | 160,000 | 232,000 | 312,000 |
| Net interest income | 985,000 | 1,950,000 | 2,905,000 | 3,892,000 |
| Noninterest income | 145,000 | 256,000 | 372,000 | 483,000 |
| Noninterest expense | 944,000 | 1,901,000 | 2,936,000 | 3,527,000 |
| Provision for loan losses | 0 | 1,000 | -74,000 | -74,000 |
| Pretax income | 186,000 | 304,000 | 415,000 | 922,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 186,000 | 304,000 | 415,000 | 922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,917,000 | 13,030,000 | 13,141,000 | 13,195,000 |