Call reports 2025
CITIZENS BANK OF EDINBURG — 2025
What CITIZENS BANK OF EDINBURG 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 | 33,740,000 | 30,831,000 | 32,477,000 | 30,606,000 |
| Total loans | 8,863,000 | 8,641,000 | 9,256,000 | 8,600,000 |
| Allowance for loan losses | 151,000 | 150,000 | 151,000 | 150,000 |
| Securities available for sale | 4,169,000 | 4,824,000 | 4,760,000 | 4,635,000 |
| Securities held to maturity | 3,593,000 | 3,594,000 | 3,475,000 | 3,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,546,000 | 27,549,000 | 29,048,000 | 27,138,000 |
| Interest-bearing deposits | 23,958,000 | 21,602,000 | 23,097,000 | 21,734,000 |
| Noninterest-bearing deposits | 6,588,000 | 5,947,000 | 5,951,000 | 5,404,000 |
| Equity capital | 2,978,000 | 3,074,000 | 3,199,000 | 3,210,000 |
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 | 316,000 | 632,000 | 955,000 | 1,275,000 |
| Interest expense | 69,000 | 130,000 | 190,000 | 254,000 |
| Net interest income | 247,000 | 502,000 | 765,000 | 1,021,000 |
| Noninterest income | 18,000 | 38,000 | 62,000 | 77,000 |
| Noninterest expense | 148,000 | 302,000 | 457,000 | 631,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 238,000 | 370,000 | 467,000 |
| Income tax | 29,000 | 60,000 | 92,000 | 123,000 |
| Net income | 88,000 | 178,000 | 278,000 | 344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,176,000 | 3,260,000 | 3,359,000 | 3,351,000 |