Call reports 2025
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2025
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 113,468,000 | 112,808,000 | 117,916,000 | 117,590,000 |
| Total loans | 54,579,000 | 55,564,000 | 57,905,000 | 60,107,000 |
| Allowance for loan losses | 804,000 | 819,000 | 837,000 | 701,000 |
| Securities available for sale | 33,098,000 | 33,082,000 | 33,748,000 | 34,861,000 |
| Securities held to maturity | 3,836,000 | 3,786,000 | 3,763,000 | 3,724,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,755,000 | 103,330,000 | 107,715,000 | 106,879,000 |
| Interest-bearing deposits | 78,211,000 | 77,585,000 | 79,017,000 | 81,033,000 |
| Noninterest-bearing deposits | 26,544,000 | 25,745,000 | 28,698,000 | 25,846,000 |
| Equity capital | 8,298,000 | 9,045,000 | 9,709,000 | 10,286,000 |
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 | 1,064,000 | 2,221,000 | 3,383,000 | 4,665,000 |
| Interest expense | 367,000 | 734,000 | 1,109,000 | 1,483,000 |
| Net interest income | 697,000 | 1,487,000 | 2,274,000 | 3,182,000 |
| Noninterest income | 75,000 | 160,000 | 246,000 | 341,000 |
| Noninterest expense | 545,000 | 1,193,000 | 1,832,000 | 2,516,000 |
| Provision for loan losses | 0 | 15,000 | 33,000 | 51,000 |
| Pretax income | 225,000 | 436,000 | 622,000 | 906,000 |
| Income tax | 87,000 | 108,000 | 129,000 | 164,000 |
| Net income | 138,000 | 328,000 | 493,000 | 742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,852,000 | 11,042,000 | 11,142,000 | 11,338,000 |
| Total capital | 11,626,000 | 11,829,000 | 11,961,000 | 12,107,000 |
| Risk-weighted assets | 61,859,000 | 62,882,000 | 65,447,000 | 66,197,000 |