Call reports 2025
CITIZENS BANK OF THE SOUTH — 2025
What CITIZENS BANK OF THE SOUTH 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 | 340,577,000 | 345,833,000 | 364,589,000 | 362,206,000 |
| Total loans | 255,120,000 | 265,071,000 | 277,618,000 | 283,147,000 |
| Allowance for loan losses | 3,482,000 | 3,485,000 | 3,465,000 | 3,676,000 |
| Securities available for sale | 43,076,000 | 41,121,000 | 41,369,000 | 36,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,117,000 | 295,744,000 | 312,419,000 | 309,364,000 |
| Interest-bearing deposits | 186,901,000 | 188,919,000 | 202,343,000 | 201,466,000 |
| Noninterest-bearing deposits | 110,216,000 | 106,825,000 | 110,076,000 | 107,898,000 |
| Equity capital | 42,499,000 | 43,751,000 | 45,414,000 | 47,237,000 |
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 | 5,086,000 | 10,586,000 | 16,377,000 | 22,262,000 |
| Interest expense | 1,158,000 | 2,397,000 | 3,773,000 | 5,135,000 |
| Net interest income | 3,928,000 | 8,189,000 | 12,604,000 | 17,127,000 |
| Noninterest income | 334,000 | 680,000 | 1,043,000 | 1,716,000 |
| Noninterest expense | 2,723,000 | 5,535,000 | 8,309,000 | 11,151,000 |
| Provision for loan losses | 45,000 | 60,000 | 60,000 | 300,000 |
| Pretax income | 1,494,000 | 3,234,000 | 5,180,000 | 7,254,000 |
| Income tax | 396,000 | 831,000 | 1,312,000 | 1,615,000 |
| Net income | 1,098,000 | 2,403,000 | 3,868,000 | 5,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,877,000 | 44,181,000 | 45,646,000 | 47,417,000 |
| Total capital | 45,835,000 | 47,233,000 | 48,804,000 | 50,647,000 |
| Risk-weighted assets | 236,182,000 | 243,713,000 | 252,289,000 | 257,847,000 |