Call reports 2025
CITIZENS BANK OF EDINA, THE — 2025
What CITIZENS BANK OF EDINA, THE 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 | 105,122,000 | 104,272,000 | 99,123,000 | 105,299,000 |
| Total loans | 68,011,000 | 69,700,000 | 66,280,000 | 72,300,000 |
| Allowance for loan losses | 970,000 | 970,000 | 990,000 | 990,000 |
| Securities available for sale | 5,989,000 | 6,881,000 | 6,805,000 | 7,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,066,000 | 89,849,000 | 84,225,000 | 90,071,000 |
| Interest-bearing deposits | 62,695,000 | 60,225,000 | 60,745,000 | 62,113,000 |
| Noninterest-bearing deposits | 28,371,000 | 29,624,000 | 23,480,000 | 27,958,000 |
| Equity capital | 13,268,000 | 13,734,000 | 14,177,000 | 14,607,000 |
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 | 1,568,000 | 3,163,000 | 4,715,000 | 6,243,000 |
| Interest expense | 312,000 | 608,000 | 895,000 | 1,185,000 |
| Net interest income | 1,256,000 | 2,555,000 | 3,820,000 | 5,058,000 |
| Noninterest income | 70,000 | 121,000 | 194,000 | 276,000 |
| Noninterest expense | 469,000 | 894,000 | 1,358,000 | 1,829,000 |
| Provision for loan losses | 20,000 | 20,000 | 40,000 | 40,000 |
| Pretax income | 837,000 | 1,762,000 | 2,616,000 | 3,465,000 |
| Income tax | 211,000 | 432,000 | 644,000 | 808,000 |
| Net income | 626,000 | 1,330,000 | 1,972,000 | 2,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,347,000 | 13,794,000 | 14,183,000 | 14,606,000 |