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 |
|---|---|---|---|
| Total assets | 78,550,000 | 78,286,000 | 78,762,000 |
| Total loans | 40,771,000 | 40,263,000 | 37,041,000 |
| Allowance for loan losses | 419,000 | 404,000 | 391,000 |
| Securities available for sale | 22,157,000 | 22,608,000 | 28,573,000 |
| Securities held to maturity | 1,705,000 | 1,705,000 | 575,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 68,826,000 | 68,399,000 | 68,393,000 |
| Interest-bearing deposits | 55,049,000 | 53,727,000 | 53,731,000 |
| Noninterest-bearing deposits | 13,777,000 | 14,672,000 | 14,662,000 |
| Equity capital | 6,757,000 | 6,918,000 | 7,392,000 |
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 |
|---|---|---|---|
| Interest income | 1,041,000 | 2,140,000 | 3,194,000 |
| Interest expense | 396,000 | 782,000 | 1,171,000 |
| Net interest income | 645,000 | 1,358,000 | 2,023,000 |
| Noninterest income | 207,000 | 382,000 | 562,000 |
| Noninterest expense | 837,000 | 1,705,000 | 2,596,000 |
| Provision for loan losses | -15,000 | -15,000 | -15,000 |
| Pretax income | 25,000 | 45,000 | -1,000 |
| Income tax | 0 | -99,000 | -99,000 |
| Net income | 25,000 | 144,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Tier 1 capital | 8,852,000 | 8,970,000 | 8,925,000 |
| Total capital | 9,282,000 | 9,385,000 | 9,327,000 |
| Risk-weighted assets | 44,317,000 | 44,151,000 | 40,807,000 |