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 | 1,112,883,000 | 1,151,168,000 | 1,148,211,000 | 1,206,192,000 |
| Total loans | 730,023,000 | 736,839,000 | 740,158,000 | 750,339,000 |
| Allowance for loan losses | 6,833,000 | 7,085,000 | 8,026,000 | 7,559,000 |
| Securities available for sale | 216,083,000 | 204,561,000 | 212,546,000 | 275,925,000 |
| Securities held to maturity | 8,200,000 | 8,948,000 | 8,349,000 | 8,281,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 968,848,000 | 1,001,279,000 | 990,063,000 | 1,048,435,000 |
| Interest-bearing deposits | 682,493,000 | 681,924,000 | 692,864,000 | 726,170,000 |
| Noninterest-bearing deposits | 286,355,000 | 319,355,000 | 297,199,000 | 322,265,000 |
| Equity capital | 130,960,000 | 136,354,000 | 142,977,000 | 146,306,000 |
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 | 16,024,000 | 32,097,000 | 48,919,000 | 65,913,000 |
| Interest expense | 4,269,000 | 8,417,000 | 12,614,000 | 16,928,000 |
| Net interest income | 11,755,000 | 23,680,000 | 36,305,000 | 48,985,000 |
| Noninterest income | 1,473,000 | 2,993,000 | 4,682,000 | 6,393,000 |
| Noninterest expense | 6,840,000 | 13,675,000 | 21,253,000 | 28,735,000 |
| Provision for loan losses | 44,000 | 360,000 | 1,375,000 | 1,289,000 |
| Pretax income | 6,137,000 | 12,437,000 | 18,031,000 | 25,147,000 |
| Income tax | 1,176,000 | 2,440,000 | 3,545,000 | 4,960,000 |
| Net income | 4,961,000 | 9,997,000 | 14,486,000 | 20,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,018,000 | 139,882,000 | 144,300,000 | 147,357,000 |