Call reports 2025
CITIZENS BANK OF LAS CRUCES — 2025
What CITIZENS BANK OF LAS CRUCES 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 | 1,056,797,000 | 1,105,786,000 | 1,108,921,000 | 1,145,757,000 |
| Total loans | 705,508,000 | 712,441,000 | 749,461,000 | 809,034,000 |
| Allowance for loan losses | 10,383,000 | 10,684,000 | 11,001,000 | 11,300,000 |
| Securities available for sale | 257,580,000 | 250,097,000 | 266,087,000 | 272,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 943,758,000 | 991,374,000 | 988,955,000 | 1,024,830,000 |
| Interest-bearing deposits | 635,640,000 | 658,008,000 | 666,945,000 | 698,222,000 |
| Noninterest-bearing deposits | 308,118,000 | 333,366,000 | 322,010,000 | 326,608,000 |
| Equity capital | 102,355,000 | 106,527,000 | 110,468,000 | 111,953,000 |
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 | 14,104,000 | 28,457,000 | 43,590,000 | 59,289,000 |
| Interest expense | 2,909,000 | 5,856,000 | 9,110,000 | 12,079,000 |
| Net interest income | 11,195,000 | 22,601,000 | 34,480,000 | 47,210,000 |
| Noninterest income | 1,453,000 | 3,234,000 | 4,917,000 | 6,530,000 |
| Noninterest expense | 6,715,000 | 13,783,000 | 20,866,000 | 27,752,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 5,586,000 | 11,368,000 | 17,545,000 | 24,626,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,586,000 | 11,368,000 | 17,545,000 | 24,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,930,000 | 114,688,000 | 115,670,000 | 116,689,000 |
| Total capital | 122,020,000 | 124,812,000 | 126,338,000 | 128,463,000 |
| Risk-weighted assets | 806,362,000 | 808,732,000 | 852,474,000 | 941,787,000 |