Call reports 2025
CITIZENS' BANK OF CHARLESTON — 2025
What CITIZENS' BANK OF CHARLESTON 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 | 180,006,000 | 175,553,000 | 183,155,000 | 188,785,000 |
| Total loans | 123,691,000 | 140,432,000 | 148,640,000 | 139,226,000 |
| Allowance for loan losses | 1,565,000 | 1,570,000 | 1,669,000 | 1,837,000 |
| Securities available for sale | 18,250,000 | 17,656,000 | 17,003,000 | 15,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,416,000 | 139,154,000 | 146,019,000 | 152,234,000 |
| Interest-bearing deposits | 121,821,000 | 118,584,000 | 122,268,000 | 126,674,000 |
| Noninterest-bearing deposits | 22,595,000 | 20,570,000 | 23,751,000 | 25,560,000 |
| Equity capital | 34,636,000 | 35,640,000 | 36,202,000 | 35,641,000 |
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 | 2,681,000 | 5,443,000 | 8,379,000 | 11,326,000 |
| Interest expense | 714,000 | 1,425,000 | 2,160,000 | 2,896,000 |
| Net interest income | 1,967,000 | 4,018,000 | 6,219,000 | 8,430,000 |
| Noninterest income | 207,000 | 391,000 | 620,000 | 965,000 |
| Noninterest expense | 943,000 | 1,969,000 | 3,002,000 | 4,451,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 300,000 |
| Pretax income | 1,231,000 | 2,440,000 | 3,737,000 | 4,644,000 |
| Income tax | 281,000 | 561,000 | 861,000 | 1,052,000 |
| Net income | 950,000 | 1,879,000 | 2,876,000 | 3,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,001,000 | 35,929,000 | 36,402,000 | 35,803,000 |