Call reports 2025
CITIZENS BANK OF ADA — 2025
What CITIZENS BANK OF ADA 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 | 325,676,000 | 325,528,000 | 328,489,000 | 343,126,000 |
| Total loans | 174,181,000 | 179,931,000 | 178,160,000 | 181,433,000 |
| Allowance for loan losses | 2,019,000 | 2,079,000 | 2,142,000 | 2,225,000 |
| Securities available for sale | 67,574,000 | 67,759,000 | 68,384,000 | 67,485,000 |
| Securities held to maturity | 39,813,000 | 40,583,000 | 41,208,000 | 35,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,774,000 | 281,028,000 | 282,721,000 | 301,029,000 |
| Interest-bearing deposits | 195,662,000 | 198,217,000 | 198,963,000 | 216,769,000 |
| Noninterest-bearing deposits | 85,112,000 | 82,811,000 | 83,758,000 | 84,260,000 |
| Equity capital | 28,325,000 | 30,114,000 | 32,426,000 | 30,401,000 |
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 | 4,236,000 | 8,613,000 | 13,039,000 | 17,550,000 |
| Interest expense | 863,000 | 1,777,000 | 2,713,000 | 3,601,000 |
| Net interest income | 3,373,000 | 6,836,000 | 10,326,000 | 13,949,000 |
| Noninterest income | 678,000 | 1,426,000 | 2,109,000 | 2,728,000 |
| Noninterest expense | 2,569,000 | 5,195,000 | 7,675,000 | 10,094,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 259,000 |
| Pretax income | 1,422,000 | 2,947,000 | 4,580,000 | 6,324,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,422,000 | 2,947,000 | 4,580,000 | 6,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,431,000 | 30,956,000 | 32,589,000 | 30,432,000 |
| Total capital | 31,450,000 | 33,035,000 | 34,731,000 | 32,599,000 |
| Risk-weighted assets | 176,135,000 | 174,624,000 | 172,595,000 | 173,363,000 |