Call reports 2025
CITIZENS BANK OF GEORGIA, THE — 2025
What CITIZENS BANK OF GEORGIA, 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 | 582,384,000 | 590,200,000 | 616,854,000 | 616,991,000 |
| Total loans | 283,662,000 | 294,578,000 | 313,928,000 | 319,354,000 |
| Allowance for loan losses | 3,978,000 | 4,010,000 | 4,110,000 | 4,200,000 |
| Securities available for sale | 227,838,000 | 246,750,000 | 247,700,000 | 244,902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 527,758,000 | 532,933,000 | 555,260,000 | 554,045,000 |
| Interest-bearing deposits | 313,803,000 | 315,602,000 | 327,449,000 | 345,295,000 |
| Noninterest-bearing deposits | 213,955,000 | 217,331,000 | 227,811,000 | 208,750,000 |
| Equity capital | 52,335,000 | 55,868,000 | 59,969,000 | 61,503,000 |
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 | 6,894,000 | 14,180,000 | 21,947,000 | 29,814,000 |
| Interest expense | 1,788,000 | 3,577,000 | 5,434,000 | 7,289,000 |
| Net interest income | 5,106,000 | 10,603,000 | 16,513,000 | 22,525,000 |
| Noninterest income | 289,000 | 561,000 | 833,000 | 1,115,000 |
| Noninterest expense | 2,512,000 | 5,023,000 | 7,443,000 | 9,888,000 |
| Provision for loan losses | 0 | 40,000 | 140,000 | 230,000 |
| Pretax income | 2,883,000 | 6,101,000 | 9,763,000 | 13,522,000 |
| Income tax | 735,000 | 1,556,000 | 2,489,000 | 3,252,000 |
| Net income | 2,148,000 | 4,545,000 | 7,274,000 | 10,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,578,000 | 61,975,000 | 64,703,000 | 65,275,000 |
| Total capital | 63,714,000 | 66,143,000 | 68,971,000 | 69,633,000 |
| Risk-weighted assets | 338,605,000 | 356,411,000 | 372,268,000 | 374,362,000 |