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 | 559,311,000 | 563,579,000 | 570,438,000 | 596,307,000 |
| Total loans | 296,385,000 | 304,712,000 | 304,911,000 | 330,243,000 |
| Allowance for loan losses | 3,070,000 | 3,520,000 | 3,516,000 | 3,795,000 |
| Securities available for sale | 121,921,000 | 120,571,000 | 123,266,000 | 123,257,000 |
| Securities held to maturity | 97,157,000 | 97,751,000 | 98,346,000 | 98,935,000 |
| Trading assets | 2,030,000 | 4,891,000 | 4,979,000 | 5,045,000 |
| Total deposits | 515,294,000 | 515,463,000 | 517,737,000 | 544,023,000 |
| Interest-bearing deposits | 434,621,000 | 436,518,000 | 441,473,000 | 456,325,000 |
| Noninterest-bearing deposits | 80,673,000 | 78,945,000 | 76,264,000 | 87,698,000 |
| Equity capital | 25,223,000 | 26,789,000 | 31,490,000 | 35,495,000 |
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 | 6,624,000 | 13,204,000 | 20,043,000 | 27,374,000 |
| Interest expense | 3,347,000 | 6,782,000 | 10,246,000 | 13,717,000 |
| Net interest income | 3,277,000 | 6,422,000 | 9,797,000 | 13,657,000 |
| Noninterest income | 959,000 | 1,901,000 | 2,901,000 | 4,036,000 |
| Noninterest expense | 3,018,000 | 6,108,000 | 9,302,000 | 12,477,000 |
| Provision for loan losses | 400,000 | 849,000 | 848,000 | 1,148,000 |
| Pretax income | 810,000 | 1,358,000 | 2,534,000 | 4,057,000 |
| Income tax | 24,000 | 47,000 | 89,000 | 72,000 |
| Net income | 786,000 | 1,311,000 | 2,445,000 | 3,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,951,000 | 62,662,000 | 63,982,000 | 65,658,000 |