Call reports 2025
CITIZENS STATE BANK, THE — 2025
What CITIZENS STATE BANK, 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 | 438,355,000 | 424,226,000 | 441,090,000 | 436,018,000 |
| Total loans | 233,701,000 | 235,343,000 | 229,692,000 | 225,842,000 |
| Allowance for loan losses | 3,406,000 | 3,403,000 | 3,412,000 | 3,414,000 |
| Securities available for sale | 144,816,000 | 143,623,000 | 159,546,000 | 171,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,988,000 | 364,256,000 | 378,055,000 | 369,720,000 |
| Interest-bearing deposits | 292,404,000 | 280,034,000 | 282,669,000 | 279,743,000 |
| Noninterest-bearing deposits | 87,584,000 | 84,222,000 | 95,386,000 | 89,977,000 |
| Equity capital | 49,954,000 | 51,602,000 | 54,527,000 | 57,016,000 |
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 | 4,824,000 | 9,568,000 | 14,502,000 | 19,497,000 |
| Interest expense | 759,000 | 1,546,000 | 2,341,000 | 3,125,000 |
| Net interest income | 4,065,000 | 8,022,000 | 12,161,000 | 16,372,000 |
| Noninterest income | 535,000 | 1,094,000 | 1,789,000 | 2,310,000 |
| Noninterest expense | 3,027,000 | 6,042,000 | 8,988,000 | 11,676,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,641,000 | 3,176,000 | 5,054,000 | 7,139,000 |
| Income tax | 279,000 | 545,000 | 874,000 | 884,000 |
| Net income | 1,362,000 | 2,631,000 | 4,180,000 | 6,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,780,000 | 60,299,000 | 61,098,000 | 62,423,000 |