Call reports 2025
CITY STATE BANK, THE — 2025
What CITY STATE BANK, THE 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 | 54,033,000 | 54,208,000 | 54,765,000 | 53,601,000 |
| Total loans | 34,276,000 | 33,899,000 | 35,923,000 | 36,268,000 |
| Allowance for loan losses | 345,000 | 345,000 | 355,000 | 362,000 |
| Securities available for sale | 7,976,000 | 8,003,000 | 7,549,000 | 7,257,000 |
| Securities held to maturity | 1,384,000 | 1,382,000 | 1,380,000 | 1,378,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,686,000 | 49,669,000 | 50,046,000 | 48,335,000 |
| Interest-bearing deposits | 36,730,000 | 36,453,000 | 37,122,000 | 36,377,000 |
| Noninterest-bearing deposits | 12,956,000 | 13,216,000 | 12,924,000 | 11,958,000 |
| Equity capital | 4,063,000 | 4,257,000 | 4,501,000 | 4,558,000 |
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 | 629,000 | 1,275,000 | 1,945,000 | 2,634,000 |
| Interest expense | 157,000 | 315,000 | 484,000 | 657,000 |
| Net interest income | 472,000 | 960,000 | 1,461,000 | 1,977,000 |
| Noninterest income | 53,000 | 107,000 | 246,000 | 304,000 |
| Noninterest expense | 368,000 | 724,000 | 1,108,000 | 1,457,000 |
| Provision for loan losses | 2,000 | 2,000 | 12,000 | 19,000 |
| Pretax income | 156,000 | 343,000 | 591,000 | 812,000 |
| Income tax | 6,000 | 10,000 | 17,000 | 21,000 |
| Net income | 150,000 | 333,000 | 574,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,948,000 | 5,038,000 | 5,137,000 | 5,162,000 |