401k Plan data: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN plan

CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 401k Plan overview

Plan Name	CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN
Plan identification number	001

CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN Benefits

401k Plan Type

Defined Benefit Pension

Plan Features/Benefits

Benefits are primarily pay related
Covered by PBGC - Plan is covered under the PBGC insurance program (see ERISA section 4021).
Frozen Plan - As of the last day of the plan year, the plan provides that no participant will get any new benefit accrual (whether because of service or compensation).
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

GREAT OAKS BANK has sponsored the creation of one or more 401k plans.

Company Name: GREAT OAKS BANK

Employer identification number (EIN): 580192860

NAIC Classification: 522110
NAIC Description: Commercial Banking

Form 5500 Filing Information

Submission information for form 5500 for 401k plan CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2023-01-01
001 2022-01-01
001 2021-01-01
001 2020-01-01 BUNNY WRIGHT 2021-06-21 BUNNY WRIGHT 2021-06-21
001 2019-01-01 BERNICE WRIGHT 2020-09-25
001 2018-01-01 BERNICE WRIGHT 2019-10-01
001 2017-01-01 BERNICE WRIGHT 2018-10-09
001 2016-01-01 BERNICE WRIGHT 2017-10-10
001 2015-01-01 BERNICE WRIGHT 2017-10-10
001 2014-01-01 BERNICE WRIGHT 2015-07-06
001 2013-01-01 BERNICE WRIGHT 2014-10-14
001 2012-01-01 GREG GRIFFITH 2013-07-29
001 2011-01-01 GENE HASKINS 2012-10-12 GENE HASKINS 2012-10-12
001 2010-01-01 RALPH R. CHAPMAN 2011-07-26 RALPH R. CHAPMAN 2011-07-26
001 2008-01-01

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2023-01-01
001	2022-01-01
001	2021-01-01
001	2020-01-01	BUNNY WRIGHT	2021-06-21	BUNNY WRIGHT	2021-06-21
001	2019-01-01	BERNICE WRIGHT	2020-09-25
001	2018-01-01	BERNICE WRIGHT	2019-10-01
001	2017-01-01	BERNICE WRIGHT	2018-10-09
001	2016-01-01	BERNICE WRIGHT	2017-10-10
001	2015-01-01	BERNICE WRIGHT	2017-10-10
001	2014-01-01	BERNICE WRIGHT	2015-07-06
001	2013-01-01	BERNICE WRIGHT	2014-10-14
001	2012-01-01	GREG GRIFFITH	2013-07-29
001	2011-01-01	GENE HASKINS	2012-10-12	GENE HASKINS	2012-10-12
001	2010-01-01	RALPH R. CHAPMAN	2011-07-26	RALPH R. CHAPMAN	2011-07-26
001	2008-01-01

Plan Statistics for CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN

401k plan membership statisitcs for CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN

Measure Date Value
2025: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2025 401k membership
Total number of particpants at beginning of year 2025-08-27 55
Total number of particpants at end of year 2025-08-27 52
2024: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2024 401k membership
Total number of particpants at beginning of year 2024-09-11 57
Total number of particpants at end of year 2024-09-11 55
2022: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2022 401k membership
Market value of plan assets 2022-12-31 5,674,750
Acturial value of plan assets 2022-12-31 5,674,750
Funding target for retired participants and beneficiaries receiving payment 2022-12-31 3,673,669
Number of terminated vested participants 2022-12-31 13
Fundng target for terminated vested participants 2022-12-31 300,268
Active participant vested funding target 2022-12-31 196,817
Number of active participants 2022-12-31 6
Total funding liabilities for active participants 2022-12-31 196,817
Total participant count 2022-12-31 57
Total funding target for all participants 2022-12-31 4,170,754
Balance at beginning of prior year after applicable adjustments 2022-12-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2022-12-31 38,316
Carryover balanced portion elected for use to offset prior years funding requirement 2022-12-31 0
Prefunding balanced used to offset prior years funding requirement 2022-12-31 0
Amount remaining of carryover balance 2022-12-31 0
Amount remaining of prefunding balance 2022-12-31 38,316
Present value of excess contributions 2022-12-31 0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2022-12-31 0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance 2022-12-31 0
Reductions in caryover balances due to elections or deemed elections 2022-12-31 0
Reductions in prefunding balances due to elections or deemed elections 2022-12-31 0
Balance of carryovers at beginning of current year 2022-12-31 0
Balance of prefunding at beginning of current year 2022-12-31 42,991
Total employer contributions 2022-12-31 0
Total employee contributions 2022-12-31 0
Contributions allocated toward unpaid minimum require contributions from prior years 2022-12-31 0
Contributions made to avoid restrictions adjusted to valuation date 2022-12-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2022-12-31 0
Unpaid minimum required contributions for all prior years 2022-12-31 0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years 2022-12-31 0
Remaining amount of unpaid minimum required contributions 2022-12-31 0
Minimum required contributions for current year target normal cost 2022-12-31 0
Net shortfall amortization installment of oustanding balance 2022-12-31 0
Waiver amortization installment 2022-12-31 0
Total funding amount beforereflecting carryover/prefunding balances 2022-12-31 0
Carryover balance elected to use to offset funding requirement 2022-12-31 0
Prefunding balance elected to use to offset funding requirement 2022-12-31 0
Additional cash requirement 2022-12-31 0
Contributions allocatedtoward minimum required contributions for current year 2022-12-31 0
Unpaid minimum required contributions for current year 2022-12-31 0
Unpaid minimum required contributions for all years 2022-12-31 0
Total number of particpants at beginning of year 2022-07-26 58
Total number of particpants at end of year 2022-07-26 57
2021: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2021 401k membership
Market value of plan assets 2021-12-31 5,367,452
Acturial value of plan assets 2021-12-31 5,367,452
Funding target for retired participants and beneficiaries receiving payment 2021-12-31 3,313,441
Number of terminated vested participants 2021-12-31 11
Fundng target for terminated vested participants 2021-12-31 279,746
Active participant vested funding target 2021-12-31 612,908
Number of active participants 2021-12-31 13
Total funding liabilities for active participants 2021-12-31 612,908
Total participant count 2021-12-31 58
Total funding target for all participants 2021-12-31 4,206,095
Balance at beginning of prior year after applicable adjustments 2021-12-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2021-12-31 34,606
Carryover balanced portion elected for use to offset prior years funding requirement 2021-12-31 0
Prefunding balanced used to offset prior years funding requirement 2021-12-31 0
Amount remaining of carryover balance 2021-12-31 0
Amount remaining of prefunding balance 2021-12-31 34,606
Present value of excess contributions 2021-12-31 0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2021-12-31 0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance 2021-12-31 0
Reductions in caryover balances due to elections or deemed elections 2021-12-31 0
Reductions in prefunding balances due to elections or deemed elections 2021-12-31 0
Balance of carryovers at beginning of current year 2021-12-31 0
Balance of prefunding at beginning of current year 2021-12-31 38,316
Total employer contributions 2021-12-31 0
Total employee contributions 2021-12-31 0
Contributions allocated toward unpaid minimum require contributions from prior years 2021-12-31 0
Contributions made to avoid restrictions adjusted to valuation date 2021-12-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2021-12-31 0
Unpaid minimum required contributions for all prior years 2021-12-31 0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years 2021-12-31 0
Remaining amount of unpaid minimum required contributions 2021-12-31 0
Minimum required contributions for current year target normal cost 2021-12-31 0
Net shortfall amortization installment of oustanding balance 2021-12-31 0
Waiver amortization installment 2021-12-31 0
Total funding amount beforereflecting carryover/prefunding balances 2021-12-31 0
Carryover balance elected to use to offset funding requirement 2021-12-31 0
Prefunding balance elected to use to offset funding requirement 2021-12-31 0
Additional cash requirement 2021-12-31 0
Contributions allocatedtoward minimum required contributions for current year 2021-12-31 0
Unpaid minimum required contributions for current year 2021-12-31 0
Unpaid minimum required contributions for all years 2021-12-31 0
2020: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2020 401k membership
Market value of plan assets 2020-12-31 5,142,558
Acturial value of plan assets 2020-12-31 5,142,558
Funding target for retired participants and beneficiaries receiving payment 2020-12-31 3,482,006
Number of terminated vested participants 2020-12-31 10
Fundng target for terminated vested participants 2020-12-31 230,469
Active participant vested funding target 2020-12-31 649,211
Number of active participants 2020-12-31 15
Total funding liabilities for active participants 2020-12-31 649,494
Total participant count 2020-12-31 59
Total funding target for all participants 2020-12-31 4,361,969
Balance at beginning of prior year after applicable adjustments 2020-12-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2020-12-31 28,983
Carryover balanced portion elected for use to offset prior years funding requirement 2020-12-31 0
Prefunding balanced used to offset prior years funding requirement 2020-12-31 0
Amount remaining of carryover balance 2020-12-31 0
Amount remaining of prefunding balance 2020-12-31 28,983
Present value of excess contributions 2020-12-31 0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2020-12-31 0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance 2020-12-31 0
Reductions in caryover balances due to elections or deemed elections 2020-12-31 0
Reductions in prefunding balances due to elections or deemed elections 2020-12-31 0
Balance of carryovers at beginning of current year 2020-12-31 0
Balance of prefunding at beginning of current year 2020-12-31 34,606
Contributions allocated toward unpaid minimum require contributions from prior years 2020-12-31 0
Contributions made to avoid restrictions adjusted to valuation date 2020-12-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2020-12-31 0
Unpaid minimum required contributions for all prior years 2020-12-31 0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years 2020-12-31 0
Remaining amount of unpaid minimum required contributions 2020-12-31 0
Minimum required contributions for current year target normal cost 2020-12-31 9,005
Net shortfall amortization installment of oustanding balance 2020-12-31 0
Waiver amortization installment 2020-12-31 0
Total funding amount beforereflecting carryover/prefunding balances 2020-12-31 0
Carryover balance elected to use to offset funding requirement 2020-12-31 0
Prefunding balance elected to use to offset funding requirement 2020-12-31 0
Additional cash requirement 2020-12-31 0
Contributions allocatedtoward minimum required contributions for current year 2020-12-31 0
Unpaid minimum required contributions for current year 2020-12-31 0
Unpaid minimum required contributions for all years 2020-12-31 0
2019: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2019 401k membership
Market value of plan assets 2019-12-31 4,600,003
Acturial value of plan assets 2019-12-31 4,600,003
Funding target for retired participants and beneficiaries receiving payment 2019-12-31 3,550,000
Number of terminated vested participants 2019-12-31 10
Fundng target for terminated vested participants 2019-12-31 219,422
Active participant vested funding target 2019-12-31 602,679
Number of active participants 2019-12-31 16
Total funding liabilities for active participants 2019-12-31 602,935
Total participant count 2019-12-31 60
Total funding target for all participants 2019-12-31 4,372,357
Balance at beginning of prior year after applicable adjustments 2019-12-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2019-12-31 30,342
Carryover balanced portion elected for use to offset prior years funding requirement 2019-12-31 0
Prefunding balanced used to offset prior years funding requirement 2019-12-31 0
Amount remaining of carryover balance 2019-12-31 0
Amount remaining of prefunding balance 2019-12-31 30,342
Present value of excess contributions 2019-12-31 0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2019-12-31 0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance 2019-12-31 0
Reductions in caryover balances due to elections or deemed elections 2019-12-31 0
Reductions in prefunding balances due to elections or deemed elections 2019-12-31 0
Balance of carryovers at beginning of current year 2019-12-31 0
Balance of prefunding at beginning of current year 2019-12-31 28,983
Total employer contributions 2019-12-31 0
Total employee contributions 2019-12-31 0
Contributions allocated toward unpaid minimum require contributions from prior years 2019-12-31 0
Contributions made to avoid restrictions adjusted to valuation date 2019-12-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2019-12-31 0
Unpaid minimum required contributions for all prior years 2019-12-31 0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years 2019-12-31 0
Remaining amount of unpaid minimum required contributions 2019-12-31 0
Minimum required contributions for current year target normal cost 2019-12-31 10,587
Net shortfall amortization installment of oustanding balance 2019-12-31 0
Waiver amortization installment 2019-12-31 0
Total funding amount beforereflecting carryover/prefunding balances 2019-12-31 0
Carryover balance elected to use to offset funding requirement 2019-12-31 0
Prefunding balance elected to use to offset funding requirement 2019-12-31 0
Additional cash requirement 2019-12-31 0
Contributions allocatedtoward minimum required contributions for current year 2019-12-31 0
Unpaid minimum required contributions for current year 2019-12-31 0
Unpaid minimum required contributions for all years 2019-12-31 0
2018: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2018 401k membership
Market value of plan assets 2018-12-31 5,148,184
Acturial value of plan assets 2018-12-31 5,148,184
Funding target for retired participants and beneficiaries receiving payment 2018-12-31 3,469,014
Number of terminated vested participants 2018-12-31 10
Fundng target for terminated vested participants 2018-12-31 201,478
Active participant vested funding target 2018-12-31 671,932
Number of active participants 2018-12-31 19
Total funding liabilities for active participants 2018-12-31 679,400
Total participant count 2018-12-31 61
Total funding target for all participants 2018-12-31 4,349,892
Balance at beginning of prior year after applicable adjustments 2018-12-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2018-12-31 26,932
Carryover balanced portion elected for use to offset prior years funding requirement 2018-12-31 0
Prefunding balanced used to offset prior years funding requirement 2018-12-31 0
Amount remaining of carryover balance 2018-12-31 0
Amount remaining of prefunding balance 2018-12-31 26,932
Present value of excess contributions 2018-12-31 0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2018-12-31 0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance 2018-12-31 0
Reductions in caryover balances due to elections or deemed elections 2018-12-31 0
Reductions in prefunding balances due to elections or deemed elections 2018-12-31 0
Balance of carryovers at beginning of current year 2018-12-31 0
Balance of prefunding at beginning of current year 2018-12-31 30,342
Total employer contributions 2018-12-31 0
Total employee contributions 2018-12-31 0
Contributions allocated toward unpaid minimum require contributions from prior years 2018-12-31 0
Contributions made to avoid restrictions adjusted to valuation date 2018-12-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2018-12-31 0
Unpaid minimum required contributions for all prior years 2018-12-31 0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years 2018-12-31 0
Remaining amount of unpaid minimum required contributions 2018-12-31 0
Minimum required contributions for current year target normal cost 2018-12-31 16,005
Net shortfall amortization installment of oustanding balance 2018-12-31 0
Waiver amortization installment 2018-12-31 0
Total funding amount beforereflecting carryover/prefunding balances 2018-12-31 0
Additional cash requirement 2018-12-31 0
Contributions allocatedtoward minimum required contributions for current year 2018-12-31 0
Unpaid minimum required contributions for current year 2018-12-31 0
Unpaid minimum required contributions for all years 2018-12-31 0
2017: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2017 401k membership
Market value of plan assets 2017-12-31 4,903,752
Acturial value of plan assets 2017-12-31 4,903,752
Funding target for retired participants and beneficiaries receiving payment 2017-12-31 3,070,261
Number of terminated vested participants 2017-12-31 13
Fundng target for terminated vested participants 2017-12-31 277,519
Active participant vested funding target 2017-12-31 830,926
Number of active participants 2017-12-31 25
Total funding liabilities for active participants 2017-12-31 838,623
Total participant count 2017-12-31 67
Total funding target for all participants 2017-12-31 4,186,403
Balance at beginning of prior year after applicable adjustments 2017-12-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2017-12-31 25,203
Carryover balanced portion elected for use to offset prior years funding requirement 2017-12-31 0
Prefunding balanced used to offset prior years funding requirement 2017-12-31 0
Amount remaining of carryover balance 2017-12-31 0
Amount remaining of prefunding balance 2017-12-31 25,203
Present value of excess contributions 2017-12-31 0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2017-12-31 0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance 2017-12-31 0
Reductions in caryover balances due to elections or deemed elections 2017-12-31 0
Reductions in prefunding balances due to elections or deemed elections 2017-12-31 0
Balance of carryovers at beginning of current year 2017-12-31 0
Balance of prefunding at beginning of current year 2017-12-31 26,932
Total employer contributions 2017-12-31 0
Total employee contributions 2017-12-31 0
Contributions allocated toward unpaid minimum require contributions from prior years 2017-12-31 0
Contributions made to avoid restrictions adjusted to valuation date 2017-12-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2017-12-31 0
Unpaid minimum required contributions for all prior years 2017-12-31 0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years 2017-12-31 0
Remaining amount of unpaid minimum required contributions 2017-12-31 0
Minimum required contributions for current year target normal cost 2017-12-31 11,966
Net shortfall amortization installment of oustanding balance 2017-12-31 0
Total funding amount beforereflecting carryover/prefunding balances 2017-12-31 0
Additional cash requirement 2017-12-31 0
Contributions allocatedtoward minimum required contributions for current year 2017-12-31 0
Unpaid minimum required contributions for current year 2017-12-31 0
Unpaid minimum required contributions for all years 2017-12-31 0
2016: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2016 401k membership
Market value of plan assets 2016-12-31 4,867,804
Acturial value of plan assets 2016-12-31 4,867,804
Funding target for retired participants and beneficiaries receiving payment 2016-12-31 2,802,426
Number of terminated vested participants 2016-12-31 14
Fundng target for terminated vested participants 2016-12-31 345,375
Active participant vested funding target 2016-12-31 934,141
Number of active participants 2016-12-31 32
Total funding liabilities for active participants 2016-12-31 944,642
Total participant count 2016-12-31 70
Total funding target for all participants 2016-12-31 4,092,443
Balance at beginning of prior year after applicable adjustments 2016-12-31 0
Prefunding balance at beginning of prior year after applicable adjustments 2016-12-31 25,223
Carryover balanced portion elected for use to offset prior years funding requirement 2016-12-31 0
Prefunding balanced used to offset prior years funding requirement 2016-12-31 0
Amount remaining of carryover balance 2016-12-31 0
Amount remaining of prefunding balance 2016-12-31 25,223
Present value of excess contributions 2016-12-31 1,206,129
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance 2016-12-31 1,281,030
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance 2016-12-31 0
Reductions in caryover balances due to elections or deemed elections 2016-12-31 0
Reductions in prefunding balances due to elections or deemed elections 2016-12-31 0
Balance of carryovers at beginning of current year 2016-12-31 0
Balance of prefunding at beginning of current year 2016-12-31 25,203
Total employer contributions 2016-12-31 0
Total employee contributions 2016-12-31 0
Contributions allocated toward unpaid minimum require contributions from prior years 2016-12-31 0
Contributions made to avoid restrictions adjusted to valuation date 2016-12-31 0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date 2016-12-31 0
Unpaid minimum required contributions for all prior years 2016-12-31 0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years 2016-12-31 0
Remaining amount of unpaid minimum required contributions 2016-12-31 0
Minimum required contributions for current year target normal cost 2016-12-31 11,673
Net shortfall amortization installment of oustanding balance 2016-12-31 0
Waiver amortization installment 2016-12-31 0
Total funding amount beforereflecting carryover/prefunding balances 2016-12-31 0
Carryover balance elected to use to offset funding requirement 2016-12-31 0
Prefunding balance elected to use to offset funding requirement 2016-12-31 0
Additional cash requirement 2016-12-31 0
Contributions allocatedtoward minimum required contributions for current year 2016-12-31 0
Unpaid minimum required contributions for current year 2016-12-31 0
Unpaid minimum required contributions for all years 2016-12-31 0

Measure	Date	Value
2025: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2025 401k membership
Total number of particpants at beginning of year	2025-08-27	55
Total number of particpants at end of year	2025-08-27	52
2024: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2024 401k membership
Total number of particpants at beginning of year	2024-09-11	57
Total number of particpants at end of year	2024-09-11	55
2022: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2022 401k membership
Market value of plan assets	2022-12-31	5,674,750
Acturial value of plan assets	2022-12-31	5,674,750
Funding target for retired participants and beneficiaries receiving payment	2022-12-31	3,673,669
Number of terminated vested participants	2022-12-31	13
Fundng target for terminated vested participants	2022-12-31	300,268
Active participant vested funding target	2022-12-31	196,817
Number of active participants	2022-12-31	6
Total funding liabilities for active participants	2022-12-31	196,817
Total participant count	2022-12-31	57
Total funding target for all participants	2022-12-31	4,170,754
Balance at beginning of prior year after applicable adjustments	2022-12-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2022-12-31	38,316
Carryover balanced portion elected for use to offset prior years funding requirement	2022-12-31	0
Prefunding balanced used to offset prior years funding requirement	2022-12-31	0
Amount remaining of carryover balance	2022-12-31	0
Amount remaining of prefunding balance	2022-12-31	38,316
Present value of excess contributions	2022-12-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2022-12-31	0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2022-12-31	0
Reductions in caryover balances due to elections or deemed elections	2022-12-31	0
Reductions in prefunding balances due to elections or deemed elections	2022-12-31	0
Balance of carryovers at beginning of current year	2022-12-31	0
Balance of prefunding at beginning of current year	2022-12-31	42,991
Total employer contributions	2022-12-31	0
Total employee contributions	2022-12-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2022-12-31	0
Contributions made to avoid restrictions adjusted to valuation date	2022-12-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2022-12-31	0
Unpaid minimum required contributions for all prior years	2022-12-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2022-12-31	0
Remaining amount of unpaid minimum required contributions	2022-12-31	0
Minimum required contributions for current year target normal cost	2022-12-31	0
Net shortfall amortization installment of oustanding balance	2022-12-31	0
Waiver amortization installment	2022-12-31	0
Total funding amount beforereflecting carryover/prefunding balances	2022-12-31	0
Carryover balance elected to use to offset funding requirement	2022-12-31	0
Prefunding balance elected to use to offset funding requirement	2022-12-31	0
Additional cash requirement	2022-12-31	0
Contributions allocatedtoward minimum required contributions for current year	2022-12-31	0
Unpaid minimum required contributions for current year	2022-12-31	0
Unpaid minimum required contributions for all years	2022-12-31	0
Total number of particpants at beginning of year	2022-07-26	58
Total number of particpants at end of year	2022-07-26	57
2021: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2021 401k membership
Market value of plan assets	2021-12-31	5,367,452
Acturial value of plan assets	2021-12-31	5,367,452
Funding target for retired participants and beneficiaries receiving payment	2021-12-31	3,313,441
Number of terminated vested participants	2021-12-31	11
Fundng target for terminated vested participants	2021-12-31	279,746
Active participant vested funding target	2021-12-31	612,908
Number of active participants	2021-12-31	13
Total funding liabilities for active participants	2021-12-31	612,908
Total participant count	2021-12-31	58
Total funding target for all participants	2021-12-31	4,206,095
Balance at beginning of prior year after applicable adjustments	2021-12-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2021-12-31	34,606
Carryover balanced portion elected for use to offset prior years funding requirement	2021-12-31	0
Prefunding balanced used to offset prior years funding requirement	2021-12-31	0
Amount remaining of carryover balance	2021-12-31	0
Amount remaining of prefunding balance	2021-12-31	34,606
Present value of excess contributions	2021-12-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2021-12-31	0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2021-12-31	0
Reductions in caryover balances due to elections or deemed elections	2021-12-31	0
Reductions in prefunding balances due to elections or deemed elections	2021-12-31	0
Balance of carryovers at beginning of current year	2021-12-31	0
Balance of prefunding at beginning of current year	2021-12-31	38,316
Total employer contributions	2021-12-31	0
Total employee contributions	2021-12-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2021-12-31	0
Contributions made to avoid restrictions adjusted to valuation date	2021-12-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2021-12-31	0
Unpaid minimum required contributions for all prior years	2021-12-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2021-12-31	0
Remaining amount of unpaid minimum required contributions	2021-12-31	0
Minimum required contributions for current year target normal cost	2021-12-31	0
Net shortfall amortization installment of oustanding balance	2021-12-31	0
Waiver amortization installment	2021-12-31	0
Total funding amount beforereflecting carryover/prefunding balances	2021-12-31	0
Carryover balance elected to use to offset funding requirement	2021-12-31	0
Prefunding balance elected to use to offset funding requirement	2021-12-31	0
Additional cash requirement	2021-12-31	0
Contributions allocatedtoward minimum required contributions for current year	2021-12-31	0
Unpaid minimum required contributions for current year	2021-12-31	0
Unpaid minimum required contributions for all years	2021-12-31	0
2020: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2020 401k membership
Market value of plan assets	2020-12-31	5,142,558
Acturial value of plan assets	2020-12-31	5,142,558
Funding target for retired participants and beneficiaries receiving payment	2020-12-31	3,482,006
Number of terminated vested participants	2020-12-31	10
Fundng target for terminated vested participants	2020-12-31	230,469
Active participant vested funding target	2020-12-31	649,211
Number of active participants	2020-12-31	15
Total funding liabilities for active participants	2020-12-31	649,494
Total participant count	2020-12-31	59
Total funding target for all participants	2020-12-31	4,361,969
Balance at beginning of prior year after applicable adjustments	2020-12-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2020-12-31	28,983
Carryover balanced portion elected for use to offset prior years funding requirement	2020-12-31	0
Prefunding balanced used to offset prior years funding requirement	2020-12-31	0
Amount remaining of carryover balance	2020-12-31	0
Amount remaining of prefunding balance	2020-12-31	28,983
Present value of excess contributions	2020-12-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2020-12-31	0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2020-12-31	0
Reductions in caryover balances due to elections or deemed elections	2020-12-31	0
Reductions in prefunding balances due to elections or deemed elections	2020-12-31	0
Balance of carryovers at beginning of current year	2020-12-31	0
Balance of prefunding at beginning of current year	2020-12-31	34,606
Contributions allocated toward unpaid minimum require contributions from prior years	2020-12-31	0
Contributions made to avoid restrictions adjusted to valuation date	2020-12-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2020-12-31	0
Unpaid minimum required contributions for all prior years	2020-12-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2020-12-31	0
Remaining amount of unpaid minimum required contributions	2020-12-31	0
Minimum required contributions for current year target normal cost	2020-12-31	9,005
Net shortfall amortization installment of oustanding balance	2020-12-31	0
Waiver amortization installment	2020-12-31	0
Total funding amount beforereflecting carryover/prefunding balances	2020-12-31	0
Carryover balance elected to use to offset funding requirement	2020-12-31	0
Prefunding balance elected to use to offset funding requirement	2020-12-31	0
Additional cash requirement	2020-12-31	0
Contributions allocatedtoward minimum required contributions for current year	2020-12-31	0
Unpaid minimum required contributions for current year	2020-12-31	0
Unpaid minimum required contributions for all years	2020-12-31	0
2019: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2019 401k membership
Market value of plan assets	2019-12-31	4,600,003
Acturial value of plan assets	2019-12-31	4,600,003
Funding target for retired participants and beneficiaries receiving payment	2019-12-31	3,550,000
Number of terminated vested participants	2019-12-31	10
Fundng target for terminated vested participants	2019-12-31	219,422
Active participant vested funding target	2019-12-31	602,679
Number of active participants	2019-12-31	16
Total funding liabilities for active participants	2019-12-31	602,935
Total participant count	2019-12-31	60
Total funding target for all participants	2019-12-31	4,372,357
Balance at beginning of prior year after applicable adjustments	2019-12-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2019-12-31	30,342
Carryover balanced portion elected for use to offset prior years funding requirement	2019-12-31	0
Prefunding balanced used to offset prior years funding requirement	2019-12-31	0
Amount remaining of carryover balance	2019-12-31	0
Amount remaining of prefunding balance	2019-12-31	30,342
Present value of excess contributions	2019-12-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2019-12-31	0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2019-12-31	0
Reductions in caryover balances due to elections or deemed elections	2019-12-31	0
Reductions in prefunding balances due to elections or deemed elections	2019-12-31	0
Balance of carryovers at beginning of current year	2019-12-31	0
Balance of prefunding at beginning of current year	2019-12-31	28,983
Total employer contributions	2019-12-31	0
Total employee contributions	2019-12-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2019-12-31	0
Contributions made to avoid restrictions adjusted to valuation date	2019-12-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2019-12-31	0
Unpaid minimum required contributions for all prior years	2019-12-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2019-12-31	0
Remaining amount of unpaid minimum required contributions	2019-12-31	0
Minimum required contributions for current year target normal cost	2019-12-31	10,587
Net shortfall amortization installment of oustanding balance	2019-12-31	0
Waiver amortization installment	2019-12-31	0
Total funding amount beforereflecting carryover/prefunding balances	2019-12-31	0
Carryover balance elected to use to offset funding requirement	2019-12-31	0
Prefunding balance elected to use to offset funding requirement	2019-12-31	0
Additional cash requirement	2019-12-31	0
Contributions allocatedtoward minimum required contributions for current year	2019-12-31	0
Unpaid minimum required contributions for current year	2019-12-31	0
Unpaid minimum required contributions for all years	2019-12-31	0
2018: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2018 401k membership
Market value of plan assets	2018-12-31	5,148,184
Acturial value of plan assets	2018-12-31	5,148,184
Funding target for retired participants and beneficiaries receiving payment	2018-12-31	3,469,014
Number of terminated vested participants	2018-12-31	10
Fundng target for terminated vested participants	2018-12-31	201,478
Active participant vested funding target	2018-12-31	671,932
Number of active participants	2018-12-31	19
Total funding liabilities for active participants	2018-12-31	679,400
Total participant count	2018-12-31	61
Total funding target for all participants	2018-12-31	4,349,892
Balance at beginning of prior year after applicable adjustments	2018-12-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2018-12-31	26,932
Carryover balanced portion elected for use to offset prior years funding requirement	2018-12-31	0
Prefunding balanced used to offset prior years funding requirement	2018-12-31	0
Amount remaining of carryover balance	2018-12-31	0
Amount remaining of prefunding balance	2018-12-31	26,932
Present value of excess contributions	2018-12-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2018-12-31	0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2018-12-31	0
Reductions in caryover balances due to elections or deemed elections	2018-12-31	0
Reductions in prefunding balances due to elections or deemed elections	2018-12-31	0
Balance of carryovers at beginning of current year	2018-12-31	0
Balance of prefunding at beginning of current year	2018-12-31	30,342
Total employer contributions	2018-12-31	0
Total employee contributions	2018-12-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2018-12-31	0
Contributions made to avoid restrictions adjusted to valuation date	2018-12-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2018-12-31	0
Unpaid minimum required contributions for all prior years	2018-12-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2018-12-31	0
Remaining amount of unpaid minimum required contributions	2018-12-31	0
Minimum required contributions for current year target normal cost	2018-12-31	16,005
Net shortfall amortization installment of oustanding balance	2018-12-31	0
Waiver amortization installment	2018-12-31	0
Total funding amount beforereflecting carryover/prefunding balances	2018-12-31	0
Additional cash requirement	2018-12-31	0
Contributions allocatedtoward minimum required contributions for current year	2018-12-31	0
Unpaid minimum required contributions for current year	2018-12-31	0
Unpaid minimum required contributions for all years	2018-12-31	0
2017: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2017 401k membership
Market value of plan assets	2017-12-31	4,903,752
Acturial value of plan assets	2017-12-31	4,903,752
Funding target for retired participants and beneficiaries receiving payment	2017-12-31	3,070,261
Number of terminated vested participants	2017-12-31	13
Fundng target for terminated vested participants	2017-12-31	277,519
Active participant vested funding target	2017-12-31	830,926
Number of active participants	2017-12-31	25
Total funding liabilities for active participants	2017-12-31	838,623
Total participant count	2017-12-31	67
Total funding target for all participants	2017-12-31	4,186,403
Balance at beginning of prior year after applicable adjustments	2017-12-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2017-12-31	25,203
Carryover balanced portion elected for use to offset prior years funding requirement	2017-12-31	0
Prefunding balanced used to offset prior years funding requirement	2017-12-31	0
Amount remaining of carryover balance	2017-12-31	0
Amount remaining of prefunding balance	2017-12-31	25,203
Present value of excess contributions	2017-12-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2017-12-31	0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2017-12-31	0
Reductions in caryover balances due to elections or deemed elections	2017-12-31	0
Reductions in prefunding balances due to elections or deemed elections	2017-12-31	0
Balance of carryovers at beginning of current year	2017-12-31	0
Balance of prefunding at beginning of current year	2017-12-31	26,932
Total employer contributions	2017-12-31	0
Total employee contributions	2017-12-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2017-12-31	0
Contributions made to avoid restrictions adjusted to valuation date	2017-12-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2017-12-31	0
Unpaid minimum required contributions for all prior years	2017-12-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2017-12-31	0
Remaining amount of unpaid minimum required contributions	2017-12-31	0
Minimum required contributions for current year target normal cost	2017-12-31	11,966
Net shortfall amortization installment of oustanding balance	2017-12-31	0
Total funding amount beforereflecting carryover/prefunding balances	2017-12-31	0
Additional cash requirement	2017-12-31	0
Contributions allocatedtoward minimum required contributions for current year	2017-12-31	0
Unpaid minimum required contributions for current year	2017-12-31	0
Unpaid minimum required contributions for all years	2017-12-31	0
2016: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2016 401k membership
Market value of plan assets	2016-12-31	4,867,804
Acturial value of plan assets	2016-12-31	4,867,804
Funding target for retired participants and beneficiaries receiving payment	2016-12-31	2,802,426
Number of terminated vested participants	2016-12-31	14
Fundng target for terminated vested participants	2016-12-31	345,375
Active participant vested funding target	2016-12-31	934,141
Number of active participants	2016-12-31	32
Total funding liabilities for active participants	2016-12-31	944,642
Total participant count	2016-12-31	70
Total funding target for all participants	2016-12-31	4,092,443
Balance at beginning of prior year after applicable adjustments	2016-12-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2016-12-31	25,223
Carryover balanced portion elected for use to offset prior years funding requirement	2016-12-31	0
Prefunding balanced used to offset prior years funding requirement	2016-12-31	0
Amount remaining of carryover balance	2016-12-31	0
Amount remaining of prefunding balance	2016-12-31	25,223
Present value of excess contributions	2016-12-31	1,206,129
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2016-12-31	1,281,030
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2016-12-31	0
Reductions in caryover balances due to elections or deemed elections	2016-12-31	0
Reductions in prefunding balances due to elections or deemed elections	2016-12-31	0
Balance of carryovers at beginning of current year	2016-12-31	0
Balance of prefunding at beginning of current year	2016-12-31	25,203
Total employer contributions	2016-12-31	0
Total employee contributions	2016-12-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2016-12-31	0
Contributions made to avoid restrictions adjusted to valuation date	2016-12-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2016-12-31	0
Unpaid minimum required contributions for all prior years	2016-12-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2016-12-31	0
Remaining amount of unpaid minimum required contributions	2016-12-31	0
Minimum required contributions for current year target normal cost	2016-12-31	11,673
Net shortfall amortization installment of oustanding balance	2016-12-31	0
Waiver amortization installment	2016-12-31	0
Total funding amount beforereflecting carryover/prefunding balances	2016-12-31	0
Carryover balance elected to use to offset funding requirement	2016-12-31	0
Prefunding balance elected to use to offset funding requirement	2016-12-31	0
Additional cash requirement	2016-12-31	0
Contributions allocatedtoward minimum required contributions for current year	2016-12-31	0
Unpaid minimum required contributions for current year	2016-12-31	0
Unpaid minimum required contributions for all years	2016-12-31	0

Financial Data on CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN

Measure	Date	Value
2025 : CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2025 401k financial data
Total transfers to/from plan in this plan year	2025-08-27	0
Total liabilities as of the end of the plan year	2025-08-27	0
Total liabilities as of the beginning of the plan year	2025-08-27	0
Total expenses incurred by plan in this plan year	2025-08-27	370124
Net assets as of the end of the plan year	2025-08-27	4342774
Total assets as of the beginning of the plan year	2025-08-27	4545241
Value of plan covered by a fidelity bond	2025-08-27	3000000
Participant contributions to plan in this plan year	2025-08-27	0
Other expenses paid from plan in this plan year	2025-08-27	0
Other contributions to plan in this plan year	2025-08-27	0
Other income to plan in this plan year	2025-08-27	167657
Plan net income in this plan year	2025-08-27	-202467
Net assets as of the end of the plan year	2025-08-27	4342774
Net assets as of the beginning of the plan year	2025-08-27	4545241
Employer contributions to plan in this plan year	2025-08-27	0
Expensese paid to adminstrative service provicers from plan in this plan year	2025-08-27	12024
2024 : CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2024 401k financial data
Total transfers to/from plan in this plan year	2024-09-11	0
Total liabilities as of the end of the plan year	2024-09-11	0
Total liabilities as of the beginning of the plan year	2024-09-11	0
Total expenses incurred by plan in this plan year	2024-09-11	360022
Net assets as of the end of the plan year	2024-09-11	4545241
Total assets as of the beginning of the plan year	2024-09-11	4720687
Value of plan covered by a fidelity bond	2024-09-11	3000000
Participant contributions to plan in this plan year	2024-09-11	0
Other expenses paid from plan in this plan year	2024-09-11	0
Other contributions to plan in this plan year	2024-09-11	0
Other income to plan in this plan year	2024-09-11	184576
Plan net income in this plan year	2024-09-11	-175446
Net assets as of the end of the plan year	2024-09-11	4545241
Net assets as of the beginning of the plan year	2024-09-11	4720687
Employer contributions to plan in this plan year	2024-09-11	0
Expensese paid to adminstrative service provicers from plan in this plan year	2024-09-11	13226
2022 : CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2022 401k financial data
Total transfers to/from plan in this plan year	2022-07-26	0
Total liabilities as of the end of the plan year	2022-07-26	0
Total liabilities as of the beginning of the plan year	2022-07-26	0
Total expenses incurred by plan in this plan year	2022-07-26	341765
Net assets as of the end of the plan year	2022-07-26	5674750
Total assets as of the beginning of the plan year	2022-07-26	5367452
Value of plan covered by a fidelity bond	2022-07-26	3000000
Participant contributions to plan in this plan year	2022-07-26	0
Other expenses paid from plan in this plan year	2022-07-26	0
Other contributions to plan in this plan year	2022-07-26	0
Other income to plan in this plan year	2022-07-26	649063
Plan net income in this plan year	2022-07-26	307298
Net assets as of the end of the plan year	2022-07-26	5674750
Net assets as of the beginning of the plan year	2022-07-26	5367452
Employer contributions to plan in this plan year	2022-07-26	0
Expensese paid to adminstrative service provicers from plan in this plan year	2022-07-26	12838

Form 5500 Responses for CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN

2008: CITIZENS BANK & TRUST COMPANY DEFINED BENEFIT PENSION PLAN 2008 form 5500 responses
2008-01-01	Type of plan entity	Single employer plan
2008-01-01	Submission has been amended	Yes
2008-01-01	This submission is the final filing	No
2008-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2008-01-01	Plan is a collectively bargained plan	No

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Company Name:	GREAT OAKS BANK
Employer identification number (EIN):	580192860
NAIC Classification:	522110
NAIC Description:	Commercial Banking