Call reports 2025
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2025
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 79,181,000 | 83,746,000 | 85,489,000 | 85,117,000 |
| Total loans | 68,130,000 | 72,609,000 | 74,186,000 | 72,348,000 |
| Allowance for loan losses | 670,000 | 700,000 | 730,000 | 760,000 |
| Securities available for sale | 364,000 | 360,000 | 607,000 | 888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,995,000 | 72,329,000 | 72,028,000 | 73,516,000 |
| Interest-bearing deposits | 56,971,000 | 60,667,000 | 61,484,000 | 61,643,000 |
| Noninterest-bearing deposits | 11,024,000 | 11,662,000 | 10,544,000 | 11,873,000 |
| Equity capital | 6,796,000 | 6,955,000 | 6,993,000 | 7,092,000 |
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 | 1,442,000 | 2,952,000 | 4,521,000 | 6,051,000 |
| Interest expense | 426,000 | 887,000 | 1,412,000 | 1,927,000 |
| Net interest income | 1,016,000 | 2,065,000 | 3,109,000 | 4,124,000 |
| Noninterest income | 53,000 | 78,000 | 126,000 | 154,000 |
| Noninterest expense | 641,000 | 1,270,000 | 1,915,000 | 2,547,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 398,000 | 813,000 | 1,230,000 | 1,611,000 |
| Income tax | 3,000 | 10,000 | 16,000 | 23,000 |
| Net income | 395,000 | 803,000 | 1,214,000 | 1,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,768,000 | 6,933,000 | 6,975,000 | 7,080,000 |
| Total capital | 7,438,000 | 7,633,000 | 7,705,000 | 7,840,000 |
| Risk-weighted assets | 67,985,000 | 71,985,000 | 73,316,000 | 72,076,000 |