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 | 189,268,000 | 186,965,000 | 187,444,000 | 187,074,000 |
| Total loans | 124,720,000 | 125,050,000 | 123,063,000 | 122,789,000 |
| Allowance for loan losses | 1,501,000 | 1,499,000 | 1,632,000 | 1,448,000 |
| Securities available for sale | 49,291,000 | 49,157,000 | 49,317,000 | 51,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,226,000 | 167,025,000 | 166,540,000 | 165,318,000 |
| Interest-bearing deposits | 122,934,000 | 118,465,000 | 117,319,000 | 114,598,000 |
| Noninterest-bearing deposits | 47,292,000 | 48,560,000 | 49,221,000 | 50,720,000 |
| Equity capital | 17,999,000 | 18,771,000 | 19,872,000 | 20,043,000 |
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 | 2,579,000 | 5,240,000 | 7,903,000 | 10,580,000 |
| Interest expense | 802,000 | 1,580,000 | 2,365,000 | 3,141,000 |
| Net interest income | 1,777,000 | 3,660,000 | 5,538,000 | 7,439,000 |
| Noninterest income | 249,000 | 501,000 | 745,000 | 982,000 |
| Noninterest expense | 1,079,000 | 2,241,000 | 3,367,000 | 4,320,000 |
| Provision for loan losses | 60,000 | 210,000 | 330,000 | 595,000 |
| Pretax income | 887,000 | 1,710,000 | 2,586,000 | 3,506,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 887,000 | 1,710,000 | 2,586,000 | 3,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,143,000 | 21,567,000 | 21,942,000 | 21,758,000 |