Call reports 2025
CITIZENS 1ST BANK — 2025
What CITIZENS 1ST 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 | 772,873,000 | 756,310,000 | 763,402,000 | 819,767,000 |
| Total loans | 438,880,000 | 456,937,000 | 471,726,000 | 479,602,000 |
| Allowance for loan losses | 2,034,000 | 2,070,000 | 2,195,000 | 3,051,000 |
| Securities available for sale | 280,278,000 | 276,554,000 | 275,676,000 | 273,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 591,440,000 | 570,349,000 | 569,118,000 | 621,883,000 |
| Interest-bearing deposits | 500,072,000 | 495,791,000 | 488,763,000 | 542,985,000 |
| Noninterest-bearing deposits | 91,368,000 | 74,558,000 | 80,355,000 | 78,898,000 |
| Equity capital | 128,960,000 | 133,822,000 | 143,450,000 | 140,389,000 |
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 | 8,744,000 | 17,894,000 | 27,116,000 | 36,743,000 |
| Interest expense | 4,213,000 | 8,420,000 | 12,630,000 | 16,893,000 |
| Net interest income | 4,531,000 | 9,474,000 | 14,486,000 | 19,850,000 |
| Noninterest income | 124,000 | 234,000 | 230,000 | 356,000 |
| Noninterest expense | 2,459,000 | 4,621,000 | 6,784,000 | 9,456,000 |
| Provision for loan losses | 100,000 | 125,000 | 250,000 | 1,106,000 |
| Pretax income | 2,102,000 | 4,970,000 | 7,694,000 | 9,658,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,102,000 | 4,970,000 | 7,694,000 | 9,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 162,417,000 | 165,285,000 | 168,009,000 | 164,973,000 |
| Total capital | 164,451,000 | 167,355,000 | 170,204,000 | 168,024,000 |
| Risk-weighted assets | 432,657,000 | 434,653,000 | 443,234,000 | 447,154,000 |