Call reports 2025
CITIZENS COMMUNITY BANK — 2025
What CITIZENS COMMUNITY 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 | 346,768,000 | 352,602,000 | 355,781,000 | 364,989,000 |
| Total loans | 210,450,000 | 211,585,000 | 217,108,000 | 227,787,000 |
| Allowance for loan losses | 3,286,000 | 3,290,000 | 3,295,000 | 3,282,000 |
| Securities available for sale | 67,236,000 | 67,415,000 | 69,650,000 | 68,186,000 |
| Securities held to maturity | 899,000 | 908,000 | 918,000 | 928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,197,000 | 308,061,000 | 308,158,000 | 318,280,000 |
| Interest-bearing deposits | 255,649,000 | 259,606,000 | 261,713,000 | 259,002,000 |
| Noninterest-bearing deposits | 47,548,000 | 48,455,000 | 46,445,000 | 59,278,000 |
| Equity capital | 39,274,000 | 40,068,000 | 43,128,000 | 42,950,000 |
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 | 5,065,000 | 10,293,000 | 15,557,000 | 20,815,000 |
| Interest expense | 1,851,000 | 3,636,000 | 5,440,000 | 7,164,000 |
| Net interest income | 3,214,000 | 6,657,000 | 10,117,000 | 13,651,000 |
| Noninterest income | 346,000 | 612,000 | 893,000 | 1,198,000 |
| Noninterest expense | 1,650,000 | 3,299,000 | 4,968,000 | 6,581,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,910,000 | 3,970,000 | 6,060,000 | 8,268,000 |
| Income tax | 296,000 | 997,000 | 1,523,000 | 1,905,000 |
| Net income | 1,614,000 | 2,973,000 | 4,537,000 | 6,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,095,000 | 47,895,000 | 49,284,000 | 49,104,000 |