Call reports 2025
FIRST CITIZENS STATE BANK — 2025
What FIRST 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 | 515,908,000 | 494,476,000 | 491,360,000 | 513,346,000 |
| Total loans | 320,653,000 | 321,542,000 | 334,241,000 | 353,344,000 |
| Allowance for loan losses | 6,616,000 | 6,613,000 | 6,593,000 | 7,076,000 |
| Securities available for sale | 12,622,000 | 12,633,000 | 11,664,000 | 9,649,000 |
| Securities held to maturity | 117,285,000 | 113,689,000 | 110,234,000 | 102,772,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,187,000 | 362,193,000 | 357,867,000 | 379,144,000 |
| Interest-bearing deposits | 309,064,000 | 291,086,000 | 281,650,000 | 306,842,000 |
| Noninterest-bearing deposits | 71,123,000 | 71,107,000 | 76,217,000 | 72,302,000 |
| Equity capital | 83,210,000 | 84,836,000 | 86,967,000 | 88,663,000 |
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 | 6,393,000 | 12,790,000 | 19,250,000 | 25,795,000 |
| Interest expense | 2,573,000 | 4,991,000 | 7,269,000 | 9,429,000 |
| Net interest income | 3,820,000 | 7,799,000 | 11,981,000 | 16,366,000 |
| Noninterest income | 622,000 | 1,435,000 | 2,199,000 | 3,091,000 |
| Noninterest expense | 2,328,000 | 4,631,000 | 7,039,000 | 9,628,000 |
| Provision for loan losses | 0 | 0 | 0 | 485,000 |
| Pretax income | 2,114,000 | 4,603,000 | 7,141,000 | 9,744,000 |
| Income tax | 369,000 | 811,000 | 1,265,000 | 1,740,000 |
| Net income | 1,745,000 | 3,792,000 | 5,876,000 | 8,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,345,000 | 84,942,000 | 87,026,000 | 88,705,000 |