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 | 78,913,000 | 80,144,000 | 76,652,000 | 80,434,000 |
| Total loans | 56,968,000 | 60,401,000 | 60,347,000 | 61,073,000 |
| Allowance for loan losses | 630,000 | 630,000 | 630,000 | 630,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,047,000 | 3,970,000 | 3,890,000 | 3,821,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,938,000 | 66,493,000 | 62,789,000 | 66,582,000 |
| Interest-bearing deposits | 50,720,000 | 48,971,000 | 47,827,000 | 51,960,000 |
| Noninterest-bearing deposits | 14,218,000 | 17,522,000 | 14,962,000 | 14,622,000 |
| Equity capital | 13,252,000 | 12,999,000 | 13,145,000 | 13,291,000 |
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 | 1,291,000 | 2,656,000 | 3,983,000 | 5,266,000 |
| Interest expense | 374,000 | 731,000 | 1,097,000 | 1,467,000 |
| Net interest income | 917,000 | 1,925,000 | 2,886,000 | 3,799,000 |
| Noninterest income | 101,000 | 372,000 | 424,000 | 505,000 |
| Noninterest expense | 735,000 | 1,510,000 | 2,356,000 | 3,159,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 283,000 | 787,000 | 954,000 | 1,145,000 |
| Income tax | 56,000 | 167,000 | 189,000 | 234,000 |
| Net income | 227,000 | 620,000 | 765,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,252,000 | 12,999,000 | 13,145,000 | 13,291,000 |