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 | 316,358,000 | 319,783,000 | 319,696,000 | 318,533,000 |
| Total loans | 243,511,000 | 244,407,000 | 247,916,000 | 254,378,000 |
| Allowance for loan losses | 6,344,000 | 6,407,000 | 6,258,000 | 7,022,000 |
| Securities available for sale | 42,280,000 | 43,957,000 | 46,344,000 | 46,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,012,000 | 277,068,000 | 275,164,000 | 273,971,000 |
| Interest-bearing deposits | 217,932,000 | 214,058,000 | 215,688,000 | 215,278,000 |
| Noninterest-bearing deposits | 57,080,000 | 63,010,000 | 59,476,000 | 58,693,000 |
| Equity capital | 40,177,000 | 41,186,000 | 42,563,000 | 42,953,000 |
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 | 4,879,000 | 9,791,000 | 14,777,000 | 19,895,000 |
| Interest expense | 1,598,000 | 3,174,000 | 4,715,000 | 6,272,000 |
| Net interest income | 3,281,000 | 6,617,000 | 10,062,000 | 13,623,000 |
| Noninterest income | 274,000 | 481,000 | 749,000 | 964,000 |
| Noninterest expense | 2,513,000 | 5,037,000 | 7,672,000 | 10,473,000 |
| Provision for loan losses | 75,000 | 150,000 | 240,000 | 1,060,000 |
| Pretax income | 967,000 | 1,911,000 | 2,899,000 | 3,054,000 |
| Income tax | 195,000 | 384,000 | 581,000 | 604,000 |
| Net income | 772,000 | 1,527,000 | 2,318,000 | 2,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,960,000 | 44,715,000 | 45,506,000 | 45,637,000 |