Call reports 2025
COMMUNITY STATE BANK OF ROCK FALLS — 2025
What COMMUNITY STATE BANK OF ROCK FALLS 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 | 323,320,000 | 316,478,000 | 314,553,000 | 314,597,000 |
| Total loans | 207,761,000 | 208,298,000 | 210,799,000 | 211,115,000 |
| Allowance for loan losses | 4,757,000 | 3,969,000 | 4,508,000 | 4,734,000 |
| Securities available for sale | 81,720,000 | 78,759,000 | 79,441,000 | 75,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,442,000 | 280,949,000 | 276,893,000 | 276,267,000 |
| Interest-bearing deposits | 231,617,000 | 226,452,000 | 223,480,000 | 223,984,000 |
| Noninterest-bearing deposits | 56,825,000 | 54,497,000 | 53,413,000 | 52,283,000 |
| Equity capital | 30,739,000 | 31,511,000 | 33,435,000 | 34,010,000 |
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 | 3,615,000 | 7,250,000 | 11,000,000 | 14,677,000 |
| Interest expense | 1,244,000 | 2,404,000 | 3,562,000 | 4,678,000 |
| Net interest income | 2,371,000 | 4,846,000 | 7,438,000 | 9,999,000 |
| Noninterest income | 324,000 | 680,000 | 1,045,000 | 1,387,000 |
| Noninterest expense | 1,989,000 | 3,931,000 | 5,971,000 | 8,039,000 |
| Provision for loan losses | 0 | 100,000 | 250,000 | 528,000 |
| Pretax income | 706,000 | 1,495,000 | 2,262,000 | 2,778,000 |
| Income tax | 173,000 | 356,000 | 540,000 | 653,000 |
| Net income | 533,000 | 1,139,000 | 1,722,000 | 2,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,216,000 | 37,822,000 | 38,208,000 | 38,420,000 |
| Total capital | 39,756,000 | 40,351,000 | 40,803,000 | 40,978,000 |
| Risk-weighted assets | 200,956,000 | 200,785,000 | 205,653,000 | 202,362,000 |