Call reports 2025
CITIZENS STATE BANK OF LOYAL — 2025
What CITIZENS STATE BANK OF LOYAL 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 | 304,018,000 | 316,682,000 | 304,284,000 | 309,367,000 |
| Total loans | 173,255,000 | 171,344,000 | 172,898,000 | 178,651,000 |
| Allowance for loan losses | 1,805,000 | 1,659,000 | 1,828,000 | 1,890,000 |
| Securities available for sale | 91,065,000 | 85,854,000 | 86,296,000 | 87,250,000 |
| Securities held to maturity | 5,432,000 | 6,183,000 | 7,184,000 | 7,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,701,000 | 254,906,000 | 240,639,000 | 244,876,000 |
| Interest-bearing deposits | 198,835,000 | 206,565,000 | 196,425,000 | 199,181,000 |
| Noninterest-bearing deposits | 44,866,000 | 48,341,000 | 44,214,000 | 45,695,000 |
| Equity capital | 27,203,000 | 28,194,000 | 30,037,000 | 30,688,000 |
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 | 3,349,000 | 6,902,000 | 10,649,000 | 14,309,000 |
| Interest expense | 1,426,000 | 2,854,000 | 4,347,000 | 5,686,000 |
| Net interest income | 1,923,000 | 4,048,000 | 6,302,000 | 8,623,000 |
| Noninterest income | 304,000 | 624,000 | 944,000 | 1,282,000 |
| Noninterest expense | 1,574,000 | 3,144,000 | 4,704,000 | 6,429,000 |
| Provision for loan losses | 20,000 | -97,000 | 100,000 | 178,000 |
| Pretax income | 675,000 | 1,520,000 | 2,504,000 | 3,408,000 |
| Income tax | 54,000 | 140,000 | 261,000 | 360,000 |
| Net income | 621,000 | 1,380,000 | 2,243,000 | 3,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,894,000 | 34,153,000 | 35,016,000 | 35,221,000 |
| Total capital | 35,935,000 | 36,195,000 | 37,060,000 | 37,279,000 |
| Risk-weighted assets | 216,728,000 | 215,786,000 | 207,751,000 | 211,511,000 |