Call reports 2025
CITIZENS COMMUNITY BANK — 2025
What CITIZENS COMMUNITY 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 | 206,101,000 | 203,725,000 | 206,871,000 | 210,068,000 |
| Total loans | 117,600,000 | 122,041,000 | 129,178,000 | 132,182,000 |
| Allowance for loan losses | 1,405,000 | 1,464,000 | 1,541,000 | 1,550,000 |
| Securities available for sale | 56,873,000 | 57,460,000 | 57,371,000 | 55,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,197,000 | 186,465,000 | 187,429,000 | 189,166,000 |
| Interest-bearing deposits | 125,877,000 | 124,573,000 | 126,193,000 | 127,524,000 |
| Noninterest-bearing deposits | 63,320,000 | 61,892,000 | 61,236,000 | 61,642,000 |
| Equity capital | 15,972,000 | 16,127,000 | 18,195,000 | 13,791,000 |
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 | 2,729,000 | 5,566,000 | 8,514,000 | 11,452,000 |
| Interest expense | 767,000 | 1,528,000 | 2,293,000 | 3,097,000 |
| Net interest income | 1,962,000 | 4,038,000 | 6,221,000 | 8,355,000 |
| Noninterest income | 292,000 | 592,000 | 964,000 | 1,297,000 |
| Noninterest expense | 1,725,000 | 3,307,000 | 4,981,000 | 6,598,000 |
| Provision for loan losses | 90,000 | 180,000 | 269,000 | 299,000 |
| Pretax income | 444,000 | 1,139,000 | 1,927,000 | 2,721,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 444,000 | 1,139,000 | 1,927,000 | 2,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,055,000 | 23,449,000 | 23,888,000 | 19,332,000 |
| Total capital | 24,525,000 | 24,987,000 | 25,506,000 | 20,985,000 |
| Risk-weighted assets | 131,082,000 | 136,931,000 | 138,475,000 | 147,590,000 |