401k Plan data: CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN plan

CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 401k Plan overview

Plan Name	CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN
Plan identification number	002

CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
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.

401k Sponsoring company profile

CITIZENS BANK & TRUST COMPANY DC has sponsored the creation of one or more 401k plans.

Company Name: CITIZENS BANK & TRUST COMPANY DC

Employer identification number (EIN): 720152830

NAIC Classification: 522110
NAIC Description: Commercial Banking

Form 5500 Filing Information

Submission information for form 5500 for 401k plan CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2023-01-01 KRISTEN SPEDALE 2024-06-06 KRISTEN SPEDALE 2024-06-06
002 2022-01-01 KRISTEN SPEDALE 2023-07-21
002 2021-01-01 JOYCELYN LAMOTHE 2022-05-24 JOYCELYN LAMOTHE 2022-05-24
002 2020-01-01 JOYCELYN F. LAMOTHE 2021-06-17 JOYCELYN F. LAMOTHE 2021-06-17
002 2019-01-01 JOYCELYN F. LAMOTHE 2020-06-01 JOYCELYN F. LAMOTHE 2020-06-01
002 2018-01-01 JOYCELYN LAMOTHE 2019-06-24
002 2017-01-01 JOYCELYN F. LAMOTHE 2018-06-13
002 2016-01-01 JOYCELYN F. LAMOTHE 2017-06-15
002 2015-01-01 JOYCELYN LAMOTHE 2016-06-17
002 2014-01-01 JOYCELYN F. LAMOTHE
002 2013-01-01 JOYCELYN LAMOTHE
002 2012-01-01 JOYCELYN LAMOTHE
002 2011-01-01 JOYCELYN LAMOTHE
002 2010-01-01 JOYCELYN LAMOTHE

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
002	2023-01-01	KRISTEN SPEDALE	2024-06-06	KRISTEN SPEDALE	2024-06-06
002	2022-01-01	KRISTEN SPEDALE	2023-07-21
002	2021-01-01	JOYCELYN LAMOTHE	2022-05-24	JOYCELYN LAMOTHE	2022-05-24
002	2020-01-01	JOYCELYN F. LAMOTHE	2021-06-17	JOYCELYN F. LAMOTHE	2021-06-17
002	2019-01-01	JOYCELYN F. LAMOTHE	2020-06-01	JOYCELYN F. LAMOTHE	2020-06-01
002	2018-01-01	JOYCELYN LAMOTHE	2019-06-24
002	2017-01-01	JOYCELYN F. LAMOTHE	2018-06-13
002	2016-01-01	JOYCELYN F. LAMOTHE	2017-06-15
002	2015-01-01	JOYCELYN LAMOTHE	2016-06-17
002	2014-01-01	JOYCELYN F. LAMOTHE
002	2013-01-01	JOYCELYN LAMOTHE
002	2012-01-01	JOYCELYN LAMOTHE
002	2011-01-01	JOYCELYN LAMOTHE
002	2010-01-01	JOYCELYN LAMOTHE

Financial Data on CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN

Measure	Date	Value
2025 : CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2025 401k financial data
Total expenses incurred by plan in this plan year	2025-08-15	616103
Net assets as of the end of the plan year	2025-08-15	8421800
Total assets as of the beginning of the plan year	2025-08-15	7253313
Value of plan covered by a fidelity bond	2025-08-15	500000
Participant contributions to plan in this plan year	2025-08-15	397263
Other contributions to plan in this plan year	2025-08-15	1129
Other income to plan in this plan year	2025-08-15	1252303
Plan net income in this plan year	2025-08-15	1168487
Net assets as of the end of the plan year	2025-08-15	8421800
Net assets as of the beginning of the plan year	2025-08-15	7253313
Employer contributions to plan in this plan year	2025-08-15	133895
Fees paid to broker by Benefit Provider	2025-08-15	19705
Expensese paid to adminstrative service provicers from plan in this plan year	2025-08-15	1907
2024 : CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2024 401k financial data
Total expenses incurred by plan in this plan year	2024-06-06	1695039
Net assets as of the end of the plan year	2024-06-06	7253313
Total assets as of the beginning of the plan year	2024-06-06	7108066
Value of plan covered by a fidelity bond	2024-06-06	3000000
Participant contributions to plan in this plan year	2024-06-06	375152
Other expenses paid from plan in this plan year	2024-06-06	18584
Other contributions to plan in this plan year	2024-06-06	64523
Other income to plan in this plan year	2024-06-06	1176877
Plan net income in this plan year	2024-06-06	145247
Net assets as of the end of the plan year	2024-06-06	7253313
Net assets as of the beginning of the plan year	2024-06-06	7108066
Employer contributions to plan in this plan year	2024-06-06	223734
2014 : CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2014 401k financial data
Transfers to/from the plan	2014-12-31	$1,245
Total income from all sources	2014-12-31	$545,628
Expenses. Total of all expenses incurred	2014-12-31	$121,839
Benefits paid (including direct rollovers)	2014-12-31	$117,212
Total plan assets at end of year	2014-12-31	$5,168,848
Total plan assets at beginning of year	2014-12-31	$4,743,814
Value of fidelity bond covering the plan	2014-12-31	$3,000,000
Total contributions received or receivable from participants	2014-12-31	$212,928
Expenses. Other expenses not covered elsewhere	2014-12-31	$175
Contributions received from other sources (not participants or employers)	2014-12-31	$0
Other income received	2014-12-31	$265,707
Net income (gross income less expenses)	2014-12-31	$423,789
Net plan assets at end of year (total assets less liabilities)	2014-12-31	$5,168,848
Net plan assets at beginning of year (total assets less liabilities)	2014-12-31	$4,743,814
Assets. Value of participant loans	2014-12-31	$0
Total contributions received or receivable from employer(s)	2014-12-31	$66,993
Value of certain deemed distributions of participant loans	2014-12-31	$0
Value of corrective distributions	2014-12-31	$4,452
Funding deficiency by the employer to the plan for this plan year	2014-12-31	$0
Minimum employer required contribution for this plan year	2014-12-31	$0
Amount contributed by the employer to the plan for this plan year	2014-12-31	$0
2013 : CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2013 401k financial data
Transfers to/from the plan	2013-12-31	$72
Total income from all sources	2013-12-31	$945,573
Expenses. Total of all expenses incurred	2013-12-31	$118,120
Benefits paid (including direct rollovers)	2013-12-31	$117,256
Total plan assets at end of year	2013-12-31	$4,743,814
Total plan assets at beginning of year	2013-12-31	$3,916,289
Value of fidelity bond covering the plan	2013-12-31	$3,000,000
Total contributions received or receivable from participants	2013-12-31	$213,158
Expenses. Other expenses not covered elsewhere	2013-12-31	$100
Contributions received from other sources (not participants or employers)	2013-12-31	$0
Other income received	2013-12-31	$665,969
Net income (gross income less expenses)	2013-12-31	$827,453
Net plan assets at end of year (total assets less liabilities)	2013-12-31	$4,743,814
Net plan assets at beginning of year (total assets less liabilities)	2013-12-31	$3,916,289
Assets. Value of participant loans	2013-12-31	$0
Total contributions received or receivable from employer(s)	2013-12-31	$66,446
Value of certain deemed distributions of participant loans	2013-12-31	$0
Value of corrective distributions	2013-12-31	$764
Funding deficiency by the employer to the plan for this plan year	2013-12-31	$0
Minimum employer required contribution for this plan year	2013-12-31	$0
Amount contributed by the employer to the plan for this plan year	2013-12-31	$0
2012 : CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2012 401k financial data
Total income from all sources	2012-12-31	$724,560
Expenses. Total of all expenses incurred	2012-12-31	$67,602
Benefits paid (including direct rollovers)	2012-12-31	$62,284
Total plan assets at end of year	2012-12-31	$3,916,289
Total plan assets at beginning of year	2012-12-31	$3,259,331
Value of fidelity bond covering the plan	2012-12-31	$3,000,000
Total contributions received or receivable from participants	2012-12-31	$209,030
Expenses. Other expenses not covered elsewhere	2012-12-31	$225
Contributions received from other sources (not participants or employers)	2012-12-31	$0
Other income received	2012-12-31	$447,780
Net income (gross income less expenses)	2012-12-31	$656,958
Net plan assets at end of year (total assets less liabilities)	2012-12-31	$3,916,289
Net plan assets at beginning of year (total assets less liabilities)	2012-12-31	$3,259,331
Assets. Value of participant loans	2012-12-31	$0
Total contributions received or receivable from employer(s)	2012-12-31	$67,750
Value of certain deemed distributions of participant loans	2012-12-31	$0
Value of corrective distributions	2012-12-31	$5,093
Funding deficiency by the employer to the plan for this plan year	2012-12-31	$0
Minimum employer required contribution for this plan year	2012-12-31	$0
Amount contributed by the employer to the plan for this plan year	2012-12-31	$0
2011 : CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2011 401k financial data
Transfers to/from the plan	2011-12-31	$24
Total income from all sources	2011-12-31	$198,384
Expenses. Total of all expenses incurred	2011-12-31	$28,104
Benefits paid (including direct rollovers)	2011-12-31	$28,079
Total plan assets at end of year	2011-12-31	$3,259,331
Total plan assets at beginning of year	2011-12-31	$3,089,027
Value of fidelity bond covering the plan	2011-12-31	$3,000,000
Total contributions received or receivable from participants	2011-12-31	$211,802
Expenses. Other expenses not covered elsewhere	2011-12-31	$25
Contributions received from other sources (not participants or employers)	2011-12-31	$0
Other income received	2011-12-31	$-77,956
Net income (gross income less expenses)	2011-12-31	$170,280
Net plan assets at end of year (total assets less liabilities)	2011-12-31	$3,259,331
Net plan assets at beginning of year (total assets less liabilities)	2011-12-31	$3,089,027
Assets. Value of participant loans	2011-12-31	$0
Total contributions received or receivable from employer(s)	2011-12-31	$64,538
Value of certain deemed distributions of participant loans	2011-12-31	$0
Value of corrective distributions	2011-12-31	$0
Funding deficiency by the employer to the plan for this plan year	2011-12-31	$0
Minimum employer required contribution for this plan year	2011-12-31	$0
Amount contributed by the employer to the plan for this plan year	2011-12-31	$0
2010 : CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2010 401k financial data
Total income from all sources	2010-12-31	$618,220
Expenses. Total of all expenses incurred	2010-12-31	$168,122
Benefits paid (including direct rollovers)	2010-12-31	$168,097
Total plan assets at end of year	2010-12-31	$3,089,027
Total plan assets at beginning of year	2010-12-31	$2,638,929
Value of fidelity bond covering the plan	2010-12-31	$3,000,000
Total contributions received or receivable from participants	2010-12-31	$224,984
Expenses. Other expenses not covered elsewhere	2010-12-31	$25
Contributions received from other sources (not participants or employers)	2010-12-31	$1,028
Other income received	2010-12-31	$330,827
Net income (gross income less expenses)	2010-12-31	$450,098
Net plan assets at end of year (total assets less liabilities)	2010-12-31	$3,089,027
Net plan assets at beginning of year (total assets less liabilities)	2010-12-31	$2,638,929
Assets. Value of participant loans	2010-12-31	$0
Total contributions received or receivable from employer(s)	2010-12-31	$61,381
Value of certain deemed distributions of participant loans	2010-12-31	$0
Value of corrective distributions	2010-12-31	$0
Funding deficiency by the employer to the plan for this plan year	2010-12-31	$0
Minimum employer required contribution for this plan year	2010-12-31	$0
Amount contributed by the employer to the plan for this plan year	2010-12-31	$0

Form 5500 Responses for CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN

2014: CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2013: CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2012: CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Insurance	Yes
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement – Insurance	Yes
2011: CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Insurance	Yes
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement – Insurance	Yes
2010: CITIZENS BANK & TRUST COMPANY SALARY DEFERRAL PLAN 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	No
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Insurance	Yes
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement – Insurance	Yes

Insurance Providers Used on plan

HARTFORD LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88072 )
Policy contract number	GA-821377
Policy instance	1
HARTFORD LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88072 )
Policy contract number	GA-821377
Policy instance	1
HARTFORD LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88072 )
Policy contract number	GA-821377
Policy instance	1
HARTFORD LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 88072 )
Policy contract number	GA-821377
Policy instance	1

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Company Name:	CITIZENS BANK & TRUST COMPANY DC
Employer identification number (EIN):	720152830
NAIC Classification:	522110
NAIC Description:	Commercial Banking