Call reports 2025
CITIZENS SAVINGS BANK — 2025
What CITIZENS 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 | 355,955,000 | 353,748,000 | 348,724,000 | 355,221,000 |
| Total loans | 295,173,000 | 293,890,000 | 292,020,000 | 291,758,000 |
| Allowance for loan losses | 1,037,000 | 1,006,000 | 997,000 | 999,000 |
| Securities available for sale | 37,469,000 | 35,352,000 | 35,423,000 | 38,352,000 |
| Securities held to maturity | 160,000 | 148,000 | 135,000 | 127,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,738,000 | 299,787,000 | 294,399,000 | 300,718,000 |
| Interest-bearing deposits | 274,218,000 | 272,635,000 | 267,948,000 | 274,741,000 |
| Noninterest-bearing deposits | 28,520,000 | 27,152,000 | 26,451,000 | 25,977,000 |
| Equity capital | 51,887,000 | 52,539,000 | 52,880,000 | 53,299,000 |
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 | 3,319,000 | 6,688,000 | 10,056,000 | 13,422,000 |
| Interest expense | 1,251,000 | 2,457,000 | 3,704,000 | 4,963,000 |
| Net interest income | 2,068,000 | 4,231,000 | 6,352,000 | 8,459,000 |
| Noninterest income | 232,000 | 528,000 | 788,000 | 1,037,000 |
| Noninterest expense | 2,201,000 | 4,111,000 | 6,377,000 | 8,445,000 |
| Provision for loan losses | -27,000 | -53,000 | -61,000 | -59,000 |
| Pretax income | 124,000 | 700,000 | 823,000 | 1,109,000 |
| Income tax | 42,000 | 156,000 | 174,000 | 224,000 |
| Net income | 82,000 | 544,000 | 649,000 | 885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,100,000 | 53,564,000 | 53,668,000 | 53,905,000 |
| Total capital | 54,182,000 | 54,614,000 | 54,710,000 | 54,949,000 |
| Risk-weighted assets | 178,336,000 | 178,189,000 | 176,961,000 | 177,361,000 |