Call reports 2025
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2025
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION 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 | 183,715,000 | 182,471,000 | 179,975,000 | 184,598,000 |
| Total loans | 142,175,000 | 142,307,000 | 142,300,000 | 144,831,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 27,398,000 | 27,112,000 | 24,900,000 | 26,809,000 |
| Securities held to maturity | 666,000 | 649,000 | 634,000 | 351,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,642,000 | 162,083,000 | 160,973,000 | 165,133,000 |
| Interest-bearing deposits | 161,023,000 | 157,474,000 | 157,116,000 | 160,617,000 |
| Noninterest-bearing deposits | 4,619,000 | 4,609,000 | 3,857,000 | 4,516,000 |
| Equity capital | 17,773,000 | 18,038,000 | 18,548,000 | 19,041,000 |
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 | 1,849,000 | 3,709,000 | 5,628,000 | 7,560,000 |
| Interest expense | 876,000 | 1,733,000 | 2,609,000 | 3,480,000 |
| Net interest income | 973,000 | 1,976,000 | 3,019,000 | 4,080,000 |
| Noninterest income | 86,000 | 202,000 | 353,000 | 492,000 |
| Noninterest expense | 922,000 | 1,846,000 | 2,826,000 | 3,759,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 137,000 | 332,000 | 553,000 | 820,000 |
| Income tax | 8,000 | 28,000 | 54,000 | 86,000 |
| Net income | 129,000 | 304,000 | 499,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,296,000 | 19,472,000 | 19,667,000 | 19,901,000 |
| Total capital | 19,596,000 | 19,772,000 | 19,967,000 | 20,201,000 |
| Risk-weighted assets | 95,622,000 | 96,740,000 | 96,102,000 | 98,442,000 |