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 | 617,350,000 | 601,567,000 | 610,247,000 | 640,452,000 |
| Total loans | 451,962,000 | 458,389,000 | 459,857,000 | 499,129,000 |
| Allowance for loan losses | 7,382,000 | 7,424,000 | 7,420,000 | 7,332,000 |
| Securities available for sale | 65,680,000 | 63,566,000 | 73,808,000 | 73,244,000 |
| Securities held to maturity | 50,039,000 | 49,906,000 | 44,712,000 | 43,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,757,000 | 546,723,000 | 553,291,000 | 578,504,000 |
| Interest-bearing deposits | 515,143,000 | 503,609,000 | 507,963,000 | 525,557,000 |
| Noninterest-bearing deposits | 46,614,000 | 43,114,000 | 45,328,000 | 52,947,000 |
| Equity capital | 50,310,000 | 49,722,000 | 52,729,000 | 55,047,000 |
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 | 8,426,000 | 17,080,000 | 25,688,000 | 34,435,000 |
| Interest expense | 3,893,000 | 7,569,000 | 11,168,000 | 14,775,000 |
| Net interest income | 4,533,000 | 9,511,000 | 14,520,000 | 19,660,000 |
| Noninterest income | 455,000 | 790,000 | 1,234,000 | 1,660,000 |
| Noninterest expense | 3,365,000 | 6,844,000 | 10,384,000 | 14,015,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,614,000 | 3,456,000 | 5,343,000 | 7,285,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,614,000 | 3,456,000 | 5,343,000 | 7,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,306,000 | 63,752,000 | 64,395,000 | 65,766,000 |
| Total capital | 68,771,000 | 70,290,000 | 70,942,000 | 72,697,000 |
| Risk-weighted assets | 516,331,000 | 522,205,000 | 522,935,000 | 554,089,000 |