Call reports 2025
CITIZENS STATE BANK, GANADO, TEXAS — 2025
What CITIZENS STATE BANK, GANADO, TEXAS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 |
|---|---|
| Total assets | 57,766,000 |
| Total loans | 10,316,000 |
| Allowance for loan losses | 196,000 |
| Securities available for sale | 33,047,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 54,025,000 |
| Interest-bearing deposits | 31,403,000 |
| Noninterest-bearing deposits | 22,622,000 |
| Equity capital | 3,464,000 |
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 |
|---|---|
| Interest income | 531,000 |
| Interest expense | 116,000 |
| Net interest income | 415,000 |
| Noninterest income | 39,000 |
| Noninterest expense | 505,000 |
| Provision for loan losses | 0 |
| Pretax income | -51,000 |
| Income tax | -12,000 |
| Net income | -39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 |
|---|---|
| Tier 1 capital | 5,409,000 |
| Total capital | 5,605,000 |
| Risk-weighted assets | 17,644,000 |