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 | 136,375,000 | 136,105,000 | 141,921,000 | 144,778,000 |
| Total loans | 63,305,000 | 63,439,000 | 67,367,000 | 67,638,000 |
| Allowance for loan losses | 1,274,000 | 1,274,000 | 1,274,000 | 1,237,000 |
| Securities available for sale | 65,859,000 | 64,864,000 | 67,211,000 | 67,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,573,000 | 117,532,000 | 116,905,000 | 123,621,000 |
| Interest-bearing deposits | 105,289,000 | 105,067,000 | 103,987,000 | 108,500,000 |
| Noninterest-bearing deposits | 13,284,000 | 12,465,000 | 12,918,000 | 15,121,000 |
| Equity capital | 12,163,000 | 12,066,000 | 14,054,000 | 15,427,000 |
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 | 1,505,000 | 3,025,000 | 4,602,000 | 6,210,000 |
| Interest expense | 882,000 | 1,754,000 | 2,620,000 | 3,496,000 |
| Net interest income | 623,000 | 1,271,000 | 1,982,000 | 2,714,000 |
| Noninterest income | 21,000 | 44,000 | 88,000 | 111,000 |
| Noninterest expense | 485,000 | 966,000 | 1,460,000 | 2,075,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 159,000 | 349,000 | 610,000 | 750,000 |
| Income tax | 34,000 | 75,000 | 134,000 | 118,000 |
| Net income | 125,000 | 274,000 | 476,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,573,000 | 23,722,000 | 23,924,000 | 24,028,000 |