Call reports 2025
CITIZENS INDEPENDENT BANK — 2025
What CITIZENS INDEPENDENT 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 | 328,767,000 | 325,704,000 | 314,295,000 | 314,606,000 |
| Total loans | 215,710,000 | 212,376,000 | 207,402,000 | 203,003,000 |
| Allowance for loan losses | 2,908,000 | 4,362,000 | 4,376,000 | 4,796,000 |
| Securities available for sale | 93,959,000 | 92,958,000 | 91,123,000 | 89,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,828,000 | 263,099,000 | 258,916,000 | 267,062,000 |
| Interest-bearing deposits | 254,241,000 | 245,032,000 | 241,097,000 | 249,470,000 |
| Noninterest-bearing deposits | 20,587,000 | 18,067,000 | 17,819,000 | 17,592,000 |
| Equity capital | 28,346,000 | 29,081,000 | 30,297,000 | 31,079,000 |
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 | 3,784,000 | 7,590,000 | 11,459,000 | 15,129,000 |
| Interest expense | 913,000 | 1,835,000 | 2,782,000 | 3,638,000 |
| Net interest income | 2,871,000 | 5,755,000 | 8,677,000 | 11,491,000 |
| Noninterest income | 245,000 | 497,000 | 750,000 | 955,000 |
| Noninterest expense | 2,565,000 | 5,228,000 | 7,830,000 | 10,376,000 |
| Provision for loan losses | 0 | 1,400,000 | 1,400,000 | 1,900,000 |
| Pretax income | 531,000 | -396,000 | 177,000 | 150,000 |
| Income tax | 134,000 | -151,000 | -14,000 | -28,000 |
| Net income | 397,000 | -245,000 | 191,000 | 178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,476,000 | 37,832,000 | 38,269,000 | 38,256,000 |
| Total capital | 41,404,000 | 40,676,000 | 41,053,000 | 40,998,000 |
| Risk-weighted assets | 235,318,000 | 225,999,000 | 221,166,000 | 217,361,000 |