Call reports 2025
CITIZENS ALLIANCE BANK — 2025
What CITIZENS ALLIANCE 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 | 1,586,822,000 | 1,484,980,000 | 1,461,611,000 | 1,480,074,000 |
| Total loans | 962,483,000 | 973,175,000 | 978,240,000 | 991,342,000 |
| Allowance for loan losses | 10,969,000 | 10,808,000 | 10,875,000 | 10,855,000 |
| Securities available for sale | 323,630,000 | 315,026,000 | 310,176,000 | 298,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,397,488,000 | 1,295,102,000 | 1,200,801,000 | 1,277,662,000 |
| Interest-bearing deposits | 799,183,000 | 992,372,000 | 920,086,000 | 982,990,000 |
| Noninterest-bearing deposits | 598,305,000 | 302,730,000 | 280,715,000 | 294,672,000 |
| Equity capital | 132,037,000 | 134,003,000 | 142,362,000 | 146,646,000 |
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 | 20,723,000 | 41,028,000 | 60,585,000 | 80,240,000 |
| Interest expense | 6,239,000 | 13,747,000 | 21,682,000 | 29,253,000 |
| Net interest income | 14,484,000 | 27,281,000 | 38,903,000 | 50,987,000 |
| Noninterest income | 2,948,000 | 4,564,000 | 6,344,000 | 7,940,000 |
| Noninterest expense | 9,314,000 | 19,738,000 | 29,385,000 | 39,853,000 |
| Provision for loan losses | 825,000 | 683,000 | 731,000 | 654,000 |
| Pretax income | 7,303,000 | 11,424,000 | 15,114,000 | 18,366,000 |
| Income tax | 2,004,000 | 3,172,000 | 3,513,000 | 3,930,000 |
| Net income | 5,299,000 | 8,252,000 | 11,601,000 | 14,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 132,875,000 | 136,528,000 | 140,423,000 | 143,760,000 |
| Total capital | 143,909,000 | 147,399,000 | 151,371,000 | 154,694,000 |
| Risk-weighted assets | 1,058,111,000 | 1,076,027,000 | 1,092,015,000 | 1,100,707,000 |