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 | 382,021,000 | 411,728,000 | 468,821,000 | 526,613,000 |
| Total loans | 236,121,000 | 293,918,000 | 342,796,000 | 382,061,000 |
| Allowance for loan losses | 2,702,000 | 3,468,000 | 3,916,000 | 4,455,000 |
| Securities available for sale | 22,765,000 | 25,887,000 | 26,860,000 | 63,303,000 |
| Securities held to maturity | 41,037,000 | 41,055,000 | 40,575,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,666,000 | 374,860,000 | 426,060,000 | 481,393,000 |
| Interest-bearing deposits | 216,421,000 | 240,824,000 | 299,232,000 | 343,973,000 |
| Noninterest-bearing deposits | 133,245,000 | 134,036,000 | 126,828,000 | 137,420,000 |
| Equity capital | 31,287,000 | 35,590,000 | 39,748,000 | 43,024,000 |
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 | 5,352,000 | 11,547,000 | 18,802,000 | 26,010,000 |
| Interest expense | 1,542,000 | 3,314,000 | 5,632,000 | 8,288,000 |
| Net interest income | 3,810,000 | 8,233,000 | 13,170,000 | 17,722,000 |
| Noninterest income | 743,000 | 1,515,000 | 2,281,000 | 3,050,000 |
| Noninterest expense | 2,162,000 | 4,439,000 | 7,484,000 | 10,148,000 |
| Provision for loan losses | 237,000 | 1,003,000 | 1,751,000 | 2,468,000 |
| Pretax income | 1,868,000 | 3,812,000 | 5,203,000 | 7,241,000 |
| Income tax | 392,000 | 800,000 | 1,092,000 | 1,424,000 |
| Net income | 1,476,000 | 3,012,000 | 4,111,000 | 5,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,843,000 | 36,380,000 | 40,479,000 | 44,462,000 |