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 | 169,567,000 | 155,172,000 | 172,490,000 | 159,742,000 |
| Total loans | 63,922,000 | 65,498,000 | 69,671,000 | 71,569,000 |
| Allowance for loan losses | 684,000 | 685,000 | 697,000 | 707,000 |
| Securities available for sale | 35,320,000 | 33,297,000 | 32,286,000 | 30,226,000 |
| Securities held to maturity | 44,422,000 | 44,423,000 | 44,429,000 | 44,419,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,855,000 | 142,152,000 | 158,476,000 | 144,430,000 |
| Interest-bearing deposits | 136,189,000 | 122,450,000 | 137,893,000 | 122,876,000 |
| Noninterest-bearing deposits | 19,666,000 | 19,702,000 | 20,583,000 | 21,554,000 |
| Equity capital | 10,882,000 | 11,305,000 | 11,924,000 | 12,331,000 |
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 | 1,630,000 | 3,251,000 | 4,896,000 | 6,605,000 |
| Interest expense | 584,000 | 1,166,000 | 1,709,000 | 2,260,000 |
| Net interest income | 1,046,000 | 2,085,000 | 3,187,000 | 4,345,000 |
| Noninterest income | 62,000 | 139,000 | 219,000 | 290,000 |
| Noninterest expense | 740,000 | 1,489,000 | 2,240,000 | 3,050,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 20,000 |
| Pretax income | 358,000 | 723,000 | 1,140,000 | 1,518,000 |
| Income tax | 10,000 | 34,000 | 55,000 | 61,000 |
| Net income | 348,000 | 689,000 | 1,085,000 | 1,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,461,000 | 15,542,000 | 15,676,000 | 15,740,000 |
| Total capital | 16,150,000 | 16,232,000 | 16,378,000 | 16,452,000 |
| Risk-weighted assets | 86,970,000 | 86,892,000 | 96,184,000 | 92,095,000 |