Call reports 2025
CITIZENS BANK OF CLOVIS, THE — 2025
What CITIZENS BANK OF CLOVIS, 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 | 500,758,000 | 496,028,000 | 499,185,000 | 520,549,000 |
| Total loans | 334,574,000 | 321,376,000 | 322,569,000 | 313,818,000 |
| Allowance for loan losses | 4,337,000 | 3,527,000 | 3,517,000 | 3,362,000 |
| Securities available for sale | 114,368,000 | 112,725,000 | 119,488,000 | 129,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,785,000 | 430,793,000 | 430,588,000 | 462,651,000 |
| Interest-bearing deposits | 327,681,000 | 325,671,000 | 328,517,000 | 346,703,000 |
| Noninterest-bearing deposits | 106,104,000 | 105,122,000 | 102,071,000 | 115,948,000 |
| Equity capital | 29,437,000 | 29,400,000 | 33,872,000 | 35,511,000 |
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 | 6,750,000 | 13,165,000 | 19,594,000 | 25,949,000 |
| Interest expense | 2,708,000 | 5,334,000 | 7,898,000 | 10,254,000 |
| Net interest income | 4,042,000 | 7,831,000 | 11,696,000 | 15,695,000 |
| Noninterest income | 208,000 | 407,000 | 619,000 | 799,000 |
| Noninterest expense | 1,884,000 | 3,835,000 | 5,514,000 | 7,574,000 |
| Provision for loan losses | 0 | 0 | 0 | 600,000 |
| Pretax income | 2,366,000 | 4,403,000 | 6,801,000 | 8,320,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,366,000 | 4,403,000 | 6,801,000 | 8,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,474,000 | 58,727,000 | 60,367,000 | 61,742,000 |