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 | 138,253,000 | 130,698,000 | 130,068,000 | 139,279,000 |
| Total loans | 70,235,000 | 74,467,000 | 78,748,000 | 78,530,000 |
| Allowance for loan losses | 962,000 | 977,000 | 736,000 | 774,000 |
| Securities available for sale | 44,671,000 | 46,902,000 | 42,602,000 | 42,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,815,000 | 112,570,000 | 108,923,000 | 120,212,000 |
| Interest-bearing deposits | 91,587,000 | 87,152,000 | 82,857,000 | 91,809,000 |
| Noninterest-bearing deposits | 29,228,000 | 25,418,000 | 26,066,000 | 28,403,000 |
| Equity capital | 16,887,000 | 17,440,000 | 17,941,000 | 17,859,000 |
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 | 1,673,000 | 3,418,000 | 5,090,000 | 6,799,000 |
| Interest expense | 617,000 | 1,248,000 | 1,811,000 | 2,358,000 |
| Net interest income | 1,056,000 | 2,170,000 | 3,279,000 | 4,441,000 |
| Noninterest income | 49,000 | 112,000 | 166,000 | 212,000 |
| Noninterest expense | 774,000 | 1,545,000 | 2,298,000 | 3,000,000 |
| Provision for loan losses | 15,000 | 30,000 | 213,000 | 249,000 |
| Pretax income | 312,000 | 710,000 | 1,037,000 | 1,513,000 |
| Income tax | 67,000 | 158,000 | 252,000 | 321,000 |
| Net income | 245,000 | 552,000 | 785,000 | 1,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,227,000 | 18,534,000 | 18,767,000 | 18,574,000 |