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 | 506,768,000 | 496,992,000 | 516,074,000 | 532,051,000 |
| Total loans | 275,974,000 | 277,046,000 | 286,369,000 | 288,210,000 |
| Allowance for loan losses | 5,020,000 | 5,138,000 | 5,237,000 | 5,914,000 |
| Securities available for sale | 96,758,000 | 95,929,000 | 97,188,000 | 95,361,000 |
| Securities held to maturity | 98,532,000 | 94,523,000 | 94,516,000 | 94,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,489,000 | 417,709,000 | 427,139,000 | 442,837,000 |
| Interest-bearing deposits | 369,777,000 | 362,737,000 | 371,009,000 | 388,302,000 |
| Noninterest-bearing deposits | 56,712,000 | 54,972,000 | 56,130,000 | 54,535,000 |
| Equity capital | 46,538,000 | 46,696,000 | 48,549,000 | 49,155,000 |
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 | 5,847,000 | 11,537,000 | 17,646,000 | 23,761,000 |
| Interest expense | 2,688,000 | 5,439,000 | 8,241,000 | 11,065,000 |
| Net interest income | 3,159,000 | 6,098,000 | 9,405,000 | 12,696,000 |
| Noninterest income | 309,000 | 594,000 | 892,000 | 1,201,000 |
| Noninterest expense | 2,025,000 | 4,190,000 | 6,209,000 | 8,428,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 1,202,000 |
| Pretax income | 1,293,000 | 2,217,000 | 3,699,000 | 4,327,000 |
| Income tax | 259,000 | 433,000 | 736,000 | 813,000 |
| Net income | 1,034,000 | 1,784,000 | 2,963,000 | 3,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,647,000 | 54,078,000 | 54,813,000 | 54,912,000 |