Call reports 2025
CITIZENS BANK OF ELDON — 2025
What CITIZENS BANK OF ELDON 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 | 233,926,000 | 233,029,000 | 238,435,000 | 243,459,000 |
| Total loans | 172,483,000 | 178,120,000 | 185,393,000 | 192,479,000 |
| Allowance for loan losses | 2,275,000 | 2,347,000 | 2,374,000 | 2,507,000 |
| Securities available for sale | 29,150,000 | 29,390,000 | 25,610,000 | 22,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,553,000 | 205,118,000 | 209,365,000 | 214,123,000 |
| Interest-bearing deposits | 136,783,000 | 137,673,000 | 141,274,000 | 145,264,000 |
| Noninterest-bearing deposits | 66,770,000 | 67,445,000 | 68,091,000 | 68,859,000 |
| Equity capital | 24,420,000 | 25,138,000 | 26,082,000 | 26,285,000 |
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 | 3,204,000 | 6,574,000 | 10,089,000 | 13,748,000 |
| Interest expense | 720,000 | 1,426,000 | 2,127,000 | 2,832,000 |
| Net interest income | 2,484,000 | 5,148,000 | 7,962,000 | 10,916,000 |
| Noninterest income | 278,000 | 656,000 | 948,000 | 1,211,000 |
| Noninterest expense | 1,328,000 | 2,740,000 | 4,084,000 | 5,512,000 |
| Provision for loan losses | 3,000 | 106,000 | 111,000 | 310,000 |
| Pretax income | 1,431,000 | 2,908,000 | 4,665,000 | 6,255,000 |
| Income tax | 332,000 | 675,000 | 1,081,000 | 1,452,000 |
| Net income | 1,099,000 | 2,233,000 | 3,584,000 | 4,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,130,000 | 25,664,000 | 26,438,000 | 26,505,000 |