Call reports 2025
CITIZENS BANK OF AMERICUS — 2025
What CITIZENS BANK OF AMERICUS 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 | 483,621,000 | 492,927,000 | 489,191,000 | 504,882,000 |
| Total loans | 241,573,000 | 248,344,000 | 251,703,000 | 264,535,000 |
| Allowance for loan losses | 4,158,000 | 4,201,000 | 4,085,000 | 4,030,000 |
| Securities available for sale | 107,536,000 | 109,607,000 | 104,187,000 | 108,498,000 |
| Securities held to maturity | 622,000 | 579,000 | 552,000 | 517,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,674,000 | 441,053,000 | 435,565,000 | 450,169,000 |
| Interest-bearing deposits | 330,193,000 | 334,262,000 | 332,323,000 | 342,875,000 |
| Noninterest-bearing deposits | 103,481,000 | 106,791,000 | 103,242,000 | 107,294,000 |
| Equity capital | 40,957,000 | 42,743,000 | 44,820,000 | 46,570,000 |
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 | 6,151,000 | 12,537,000 | 19,023,000 | 25,417,000 |
| Interest expense | 2,034,000 | 4,131,000 | 6,263,000 | 8,249,000 |
| Net interest income | 4,117,000 | 8,406,000 | 12,760,000 | 17,168,000 |
| Noninterest income | 505,000 | 1,031,000 | 1,556,000 | 2,071,000 |
| Noninterest expense | 2,292,000 | 4,752,000 | 7,170,000 | 9,818,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 250,000 |
| Pretax income | 2,330,000 | 4,685,000 | 7,046,000 | 9,171,000 |
| Income tax | 511,000 | 1,027,000 | 1,546,000 | 1,842,000 |
| Net income | 1,819,000 | 3,658,000 | 5,500,000 | 7,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,263,000 | 48,366,000 | 49,472,000 | 50,588,000 |
| Total capital | 50,656,000 | 51,859,000 | 52,983,000 | 54,291,000 |
| Risk-weighted assets | 270,310,000 | 278,337,000 | 279,902,000 | 295,493,000 |