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 | 138,582,000 | 138,510,000 | 137,148,000 | 138,091,000 |
| Total loans | 86,516,000 | 88,899,000 | 91,966,000 | 93,792,000 |
| Allowance for loan losses | 1,182,000 | 1,181,000 | 1,180,000 | 1,182,000 |
| Securities available for sale | 24,328,000 | 27,552,000 | 24,488,000 | 25,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,273,000 | 122,899,000 | 121,063,000 | 121,685,000 |
| Interest-bearing deposits | 89,523,000 | 77,562,000 | 86,847,000 | 87,001,000 |
| Noninterest-bearing deposits | 33,750,000 | 45,337,000 | 34,216,000 | 34,684,000 |
| Equity capital | 14,952,000 | 15,339,000 | 15,727,000 | 16,083,000 |
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 | 1,653,000 | 3,389,000 | 5,155,000 | 6,971,000 |
| Interest expense | 660,000 | 1,293,000 | 1,895,000 | 2,489,000 |
| Net interest income | 993,000 | 2,096,000 | 3,260,000 | 4,482,000 |
| Noninterest income | 117,000 | 233,000 | 377,000 | 503,000 |
| Noninterest expense | 861,000 | 1,690,000 | 2,514,000 | 3,330,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 249,000 | 639,000 | 1,123,000 | 1,655,000 |
| Income tax | 39,000 | 123,000 | 232,000 | 355,000 |
| Net income | 210,000 | 516,000 | 891,000 | 1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,429,000 | 15,639,000 | 15,877,000 | 16,125,000 |