Call reports 2025
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2025
What CITIZENS SAVINGS BANK AND TRUST COMPANY 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 | 184,276,000 | 184,988,000 | 187,685,000 | 183,222,000 |
| Total loans | 156,993,000 | 161,035,000 | 158,400,000 | 158,905,000 |
| Allowance for loan losses | 1,856,000 | 1,660,000 | 1,782,000 | 1,735,000 |
| Securities available for sale | 6,866,000 | 6,857,000 | 6,839,000 | 6,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,040,000 | 166,378,000 | 168,834,000 | 164,799,000 |
| Interest-bearing deposits | 141,752,000 | 140,908,000 | 145,753,000 | 140,428,000 |
| Noninterest-bearing deposits | 24,288,000 | 25,470,000 | 23,081,000 | 24,371,000 |
| Equity capital | 17,208,000 | 17,246,000 | 17,243,000 | 17,402,000 |
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 | 2,673,000 | 5,439,000 | 8,223,000 | 11,189,000 |
| Interest expense | 1,249,000 | 2,521,000 | 3,832,000 | 5,055,000 |
| Net interest income | 1,424,000 | 2,918,000 | 4,391,000 | 6,134,000 |
| Noninterest income | 130,000 | 317,000 | 463,000 | 672,000 |
| Noninterest expense | 1,442,000 | 3,060,000 | 4,498,000 | 6,177,000 |
| Provision for loan losses | 0 | 50,000 | 213,000 | 357,000 |
| Pretax income | 112,000 | 125,000 | 143,000 | 272,000 |
| Income tax | 34,000 | 52,000 | 115,000 | 123,000 |
| Net income | 78,000 | 73,000 | 28,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,368,000 | 17,363,000 | 17,377,000 | 17,375,000 |
| Total capital | 19,224,000 | 19,024,000 | 19,160,000 | 19,110,000 |
| Risk-weighted assets | 124,132,000 | 125,395,000 | 121,623,000 | 121,937,000 |