Call reports 2025
CITIZENS STATE BANK — 2025
What CITIZENS STATE 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 | 185,614,000 | 188,431,000 | 193,159,000 | 198,798,000 |
| Total loans | 119,984,000 | 122,634,000 | 124,059,000 | 127,196,000 |
| Allowance for loan losses | 1,304,000 | 1,304,000 | 1,304,000 | 1,578,000 |
| Securities available for sale | 31,333,000 | 30,261,000 | 28,721,000 | 30,022,000 |
| Securities held to maturity | 21,156,000 | 20,980,000 | 20,950,000 | 21,837,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,589,000 | 165,762,000 | 169,549,000 | 174,698,000 |
| Interest-bearing deposits | 121,966,000 | 128,037,000 | 130,340,000 | 133,835,000 |
| Noninterest-bearing deposits | 41,623,000 | 37,725,000 | 39,209,000 | 40,863,000 |
| Equity capital | 21,229,000 | 21,718,000 | 22,508,000 | 23,293,000 |
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 | 2,064,000 | 4,250,000 | 6,460,000 | 8,826,000 |
| Interest expense | 727,000 | 1,503,000 | 2,244,000 | 3,033,000 |
| Net interest income | 1,337,000 | 2,747,000 | 4,216,000 | 5,793,000 |
| Noninterest income | 120,000 | 236,000 | 357,000 | 785,000 |
| Noninterest expense | 859,000 | 1,711,000 | 2,588,000 | 3,492,000 |
| Provision for loan losses | 0 | 0 | 0 | 275,000 |
| Pretax income | 595,000 | 1,271,000 | 1,975,000 | 2,778,000 |
| Income tax | 24,000 | 52,000 | 81,000 | 111,000 |
| Net income | 571,000 | 1,219,000 | 1,894,000 | 2,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,125,000 | 22,446,000 | 22,802,000 | 23,363,000 |
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