Call reports 2025
CITIZENS STATE BANK AND TRUST COMPANY — 2025
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 98,310,000 | 100,543,000 | 99,809,000 | 104,744,000 |
| Total loans | 61,097,000 | 65,029,000 | 64,668,000 | 64,636,000 |
| Allowance for loan losses | 619,000 | 617,000 | 612,000 | 612,000 |
| Securities available for sale | 25,134,000 | 25,332,000 | 24,518,000 | 23,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,844,000 | 76,582,000 | 74,932,000 | 79,003,000 |
| Interest-bearing deposits | 59,295,000 | 60,319,000 | 58,385,000 | 62,185,000 |
| Noninterest-bearing deposits | 16,549,000 | 16,263,000 | 16,547,000 | 16,818,000 |
| Equity capital | 17,148,000 | 17,562,000 | 17,956,000 | 18,486,000 |
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 | 1,203,000 | 2,456,000 | 3,733,000 | 5,046,000 |
| Interest expense | 131,000 | 279,000 | 437,000 | 636,000 |
| Net interest income | 1,072,000 | 2,177,000 | 3,296,000 | 4,410,000 |
| Noninterest income | 219,000 | 407,000 | 594,000 | 903,000 |
| Noninterest expense | 764,000 | 1,477,000 | 2,215,000 | 2,917,000 |
| Provision for loan losses | 0 | -3,000 | -3,000 | -3,000 |
| Pretax income | 527,000 | 1,107,000 | 1,675,000 | 2,396,000 |
| Income tax | 16,000 | 32,000 | 55,000 | 80,000 |
| Net income | 511,000 | 1,075,000 | 1,620,000 | 2,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,901,000 | 18,164,000 | 18,410,000 | 18,805,000 |
| Total capital | 18,526,000 | 18,791,000 | 19,032,000 | 19,427,000 |
| Risk-weighted assets | 58,625,000 | 62,793,000 | 64,172,000 | 64,833,000 |