Call reports 2025
CITIZENS STATE BANK, THE — 2025
What CITIZENS STATE BANK, THE 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 | 310,920,000 | 316,991,000 | 320,658,000 | 334,966,000 |
| Total loans | 202,031,000 | 212,468,000 | 191,418,000 | 195,800,000 |
| Allowance for loan losses | 2,135,000 | 2,336,000 | 2,466,000 | 2,465,000 |
| Securities available for sale | 71,956,000 | 67,081,000 | 70,160,000 | 68,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,194,000 | 281,046,000 | 282,664,000 | 295,733,000 |
| Interest-bearing deposits | 194,543,000 | 199,263,000 | 198,635,000 | 205,257,000 |
| Noninterest-bearing deposits | 81,651,000 | 81,783,000 | 84,029,000 | 90,476,000 |
| Equity capital | 32,224,000 | 33,533,000 | 35,514,000 | 36,919,000 |
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 | 4,216,000 | 8,609,000 | 13,104,000 | 17,519,000 |
| Interest expense | 912,000 | 1,814,000 | 2,723,000 | 3,573,000 |
| Net interest income | 3,304,000 | 6,795,000 | 10,381,000 | 13,946,000 |
| Noninterest income | 410,000 | 778,000 | 1,172,000 | 1,669,000 |
| Noninterest expense | 1,884,000 | 3,983,000 | 5,892,000 | 8,377,000 |
| Provision for loan losses | 0 | 200,000 | 330,000 | 330,000 |
| Pretax income | 1,825,000 | 3,383,000 | 5,324,000 | 6,902,000 |
| Income tax | 423,000 | 780,000 | 1,229,000 | 1,562,000 |
| Net income | 1,402,000 | 2,603,000 | 4,095,000 | 5,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,730,000 | 35,845,000 | 37,254,000 | 38,429,000 |