Call reports 2025
CITIZENS FEDERAL SAVINGS BANK — 2025
What CITIZENS FEDERAL SAVINGS BANK 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 | 189,475,000 | 186,614,000 | 192,097,000 | 187,629,000 |
| Total loans | 134,916,000 | 134,197,000 | 134,605,000 | 133,311,000 |
| Allowance for loan losses | 419,000 | 419,000 | 410,000 | 407,000 |
| Securities available for sale | 37,471,000 | 34,959,000 | 35,049,000 | 34,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,289,000 | 139,658,000 | 146,533,000 | 144,247,000 |
| Interest-bearing deposits | 125,636,000 | 125,608,000 | 132,092,000 | 131,762,000 |
| Noninterest-bearing deposits | 13,653,000 | 14,050,000 | 14,441,000 | 12,485,000 |
| Equity capital | 35,633,000 | 35,613,000 | 36,446,000 | 36,848,000 |
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 | 1,850,000 | 3,695,000 | 5,585,000 | 7,511,000 |
| Interest expense | 628,000 | 1,263,000 | 1,903,000 | 2,533,000 |
| Net interest income | 1,222,000 | 2,432,000 | 3,682,000 | 4,978,000 |
| Noninterest income | 141,000 | 311,000 | 475,000 | 662,000 |
| Noninterest expense | 1,407,000 | 2,686,000 | 3,969,000 | 5,267,000 |
| Provision for loan losses | 35,000 | 35,000 | 33,000 | 31,000 |
| Pretax income | -66,000 | 35,000 | 167,000 | 348,000 |
| Income tax | -26,000 | -22,000 | -6,000 | 21,000 |
| Net income | -40,000 | 57,000 | 173,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,039,000 | 38,136,000 | 38,256,000 | 38,416,000 |