Call reports 2025
CITIZENS BANK OF THE MIDWEST — 2025
What CITIZENS BANK OF THE MIDWEST 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 | 225,615,000 | 238,388,000 | 236,674,000 | 240,709,000 |
| Total loans | 154,597,000 | 163,471,000 | 162,402,000 | 164,610,000 |
| Allowance for loan losses | 2,069,000 | 2,077,000 | 2,089,000 | 2,092,000 |
| Securities available for sale | 42,779,000 | 41,747,000 | 42,339,000 | 42,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,770,000 | 198,174,000 | 188,238,000 | 194,690,000 |
| Interest-bearing deposits | 178,676,000 | 180,105,000 | 168,358,000 | 174,349,000 |
| Noninterest-bearing deposits | 17,094,000 | 18,069,000 | 19,880,000 | 20,341,000 |
| Equity capital | 12,280,000 | 12,226,000 | 13,385,000 | 14,207,000 |
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 | 3,146,000 | 6,548,000 | 10,114,000 | 13,565,000 |
| Interest expense | 1,552,000 | 3,250,000 | 5,003,000 | 6,706,000 |
| Net interest income | 1,594,000 | 3,298,000 | 5,111,000 | 6,859,000 |
| Noninterest income | 69,000 | 170,000 | 281,000 | 403,000 |
| Noninterest expense | 959,000 | 1,954,000 | 2,996,000 | 4,273,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 704,000 | 1,514,000 | 2,396,000 | 2,989,000 |
| Income tax | -15,000 | 182,000 | 398,000 | 537,000 |
| Net income | 719,000 | 1,332,000 | 1,998,000 | 2,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,511,000 | 19,952,000 | 20,346,000 | 20,802,000 |
| Total capital | 21,553,000 | 22,029,000 | 22,435,000 | 22,893,000 |
| Risk-weighted assets | 163,334,000 | 173,533,000 | 169,259,000 | 174,876,000 |