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 | 1,885,947,000 | 1,893,373,000 | 1,926,540,000 | 1,964,949,000 |
| Total loans | 1,251,267,000 | 1,276,373,000 | 1,323,631,000 | 1,299,635,000 |
| Allowance for loan losses | 13,856,000 | 14,335,000 | 15,112,000 | 15,395,000 |
| Securities available for sale | 475,433,000 | 425,272,000 | 420,109,000 | 413,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 426,000 | 343,000 | 361,000 | 242,000 |
| Total deposits | 1,699,871,000 | 1,701,165,000 | 1,723,223,000 | 1,748,797,000 |
| Interest-bearing deposits | 1,359,743,000 | 1,341,265,000 | 1,381,300,000 | 1,398,397,000 |
| Noninterest-bearing deposits | 340,128,000 | 359,900,000 | 341,923,000 | 350,400,000 |
| Equity capital | 161,305,000 | 168,618,000 | 177,494,000 | 188,564,000 |
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 | 23,236,000 | 46,910,000 | 71,604,000 | 96,535,000 |
| Interest expense | 9,208,000 | 18,190,000 | 27,282,000 | 35,758,000 |
| Net interest income | 14,028,000 | 28,720,000 | 44,322,000 | 60,777,000 |
| Noninterest income | 1,999,000 | 4,650,000 | 6,897,000 | 10,421,000 |
| Noninterest expense | 8,223,000 | 16,312,000 | 24,805,000 | 33,297,000 |
| Provision for loan losses | 270,000 | 770,000 | 1,570,000 | 1,870,000 |
| Pretax income | 7,504,000 | 16,258,000 | 24,814,000 | 36,426,000 |
| Income tax | 225,000 | 300,000 | 375,000 | 680,000 |
| Net income | 7,279,000 | 15,958,000 | 24,439,000 | 35,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 195,173,000 | 200,352,000 | 205,333,000 | 213,141,000 |
| Total capital | 209,960,000 | 215,617,000 | 221,376,000 | 229,467,000 |
| Risk-weighted assets | 1,401,904,000 | 1,410,984,000 | 1,434,776,000 | 1,414,392,000 |