Call reports 2025
CITIZENS BANK MINNESOTA — 2025
What CITIZENS BANK MINNESOTA 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 | 577,056,000 | 580,254,000 | 599,563,000 | 596,223,000 |
| Total loans | 385,494,000 | 391,367,000 | 402,935,000 | 408,523,000 |
| Allowance for loan losses | 2,822,000 | 2,924,000 | 2,970,000 | 3,053,000 |
| Securities available for sale | 148,524,000 | 152,477,000 | 159,557,000 | 149,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,918,000 | 493,252,000 | 502,557,000 | 509,603,000 |
| Interest-bearing deposits | 477,392,000 | 471,828,000 | 477,120,000 | 483,686,000 |
| Noninterest-bearing deposits | 24,526,000 | 21,424,000 | 25,437,000 | 25,917,000 |
| Equity capital | 48,646,000 | 49,570,000 | 52,165,000 | 52,497,000 |
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 | 6,153,000 | 12,604,000 | 19,305,000 | 26,167,000 |
| Interest expense | 2,557,000 | 5,225,000 | 7,987,000 | 10,686,000 |
| Net interest income | 3,596,000 | 7,379,000 | 11,318,000 | 15,481,000 |
| Noninterest income | 511,000 | 1,113,000 | 1,898,000 | 2,691,000 |
| Noninterest expense | 3,251,000 | 6,783,000 | 10,056,000 | 13,816,000 |
| Provision for loan losses | -17,000 | 246,000 | 287,000 | 367,000 |
| Pretax income | 855,000 | 1,462,000 | 2,859,000 | 3,959,000 |
| Income tax | 225,000 | 379,000 | 760,000 | 1,029,000 |
| Net income | 630,000 | 1,083,000 | 2,099,000 | 2,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,185,000 | 53,081,000 | 54,141,000 | 53,935,000 |
| Total capital | 56,222,000 | 56,210,000 | 57,300,000 | 57,173,000 |
| Risk-weighted assets | 457,823,000 | 463,463,000 | 476,013,000 | 478,861,000 |