Call reports 2025
CITIZENS SAVINGS BANK — 2025
What CITIZENS SAVINGS 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 | 76,480,000 | 78,603,000 | 78,106,000 | 75,363,000 |
| Total loans | 47,706,000 | 48,442,000 | 49,229,000 | 47,944,000 |
| Allowance for loan losses | 453,000 | 451,000 | 451,000 | 451,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,285,000 | 6,288,000 | 6,291,000 | 4,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,085,000 | 65,866,000 | 65,177,000 | 62,206,000 |
| Interest-bearing deposits | 41,805,000 | 42,592,000 | 42,506,000 | 39,616,000 |
| Noninterest-bearing deposits | 22,280,000 | 23,274,000 | 22,671,000 | 22,590,000 |
| Equity capital | 7,154,000 | 7,447,000 | 7,631,000 | 7,727,000 |
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 | 915,000 | 1,876,000 | 2,855,000 | 3,794,000 |
| Interest expense | 217,000 | 449,000 | 682,000 | 895,000 |
| Net interest income | 698,000 | 1,427,000 | 2,173,000 | 2,899,000 |
| Noninterest income | 40,000 | 67,000 | 92,000 | 126,000 |
| Noninterest expense | 472,000 | 928,000 | 1,390,000 | 1,970,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 266,000 | 566,000 | 875,000 | 1,055,000 |
| Income tax | 4,000 | 11,000 | 19,000 | 25,000 |
| Net income | 262,000 | 555,000 | 856,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,154,000 | 7,447,000 | 7,631,000 | 7,727,000 |
| Total capital | 7,607,000 | 7,898,000 | 8,082,000 | 8,178,000 |
| Risk-weighted assets | 50,432,000 | 51,264,000 | 52,193,000 | 51,466,000 |