Call report 2025Q4
CITIZENS INDEPENDENT BANK — 2025Q4
The 22 measures CITIZENS INDEPENDENT BANK reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 314,606,000 | USD | evidence → |
| Total loans | 203,003,000 | USD | evidence → |
| Allowance for loan losses | 4,796,000 | USD | evidence → |
| Securities available for sale | 89,638,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 267,062,000 | USD | evidence → |
| Interest-bearing deposits | 249,470,000 | USD | evidence → |
| Noninterest-bearing deposits | 17,592,000 | USD | evidence → |
| Equity capital | 31,079,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 15,129,000 | USD | evidence → |
| Interest expense | 3,638,000 | USD | evidence → |
| Net interest income | 11,491,000 | USD | evidence → |
| Noninterest income | 955,000 | USD | evidence → |
| Noninterest expense | 10,376,000 | USD | evidence → |
| Provision for loan losses | 1,900,000 | USD | evidence → |
| Pretax income | 150,000 | USD | evidence → |
| Income tax | -28,000 | USD | evidence → |
| Net income | 178,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 38,256,000 | USD | evidence → |
| Total capital | 40,998,000 | USD | evidence → |
| Risk-weighted assets | 217,361,000 | USD | evidence → |