Call reports 2025
CITIZENS STATE BANK, THE — 2025
What CITIZENS STATE BANK, THE 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 | 410,625,000 | 417,205,000 | 416,808,000 | 430,228,000 |
| Total loans | 313,746,000 | 323,701,000 | 323,606,000 | 332,487,000 |
| Allowance for loan losses | 4,026,000 | 4,106,000 | 4,256,000 | 4,317,000 |
| Securities available for sale | 68,063,000 | 68,787,000 | 69,812,000 | 72,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,460,000 | 348,000,000 | 340,777,000 | 364,802,000 |
| Interest-bearing deposits | 310,714,000 | 304,517,000 | 300,891,000 | 322,093,000 |
| Noninterest-bearing deposits | 42,746,000 | 43,483,000 | 39,886,000 | 42,709,000 |
| Equity capital | 31,246,000 | 31,178,000 | 33,314,000 | 34,019,000 |
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 | 5,827,000 | 11,666,000 | 17,512,000 | 23,401,000 |
| Interest expense | 2,287,000 | 4,519,000 | 6,892,000 | 9,202,000 |
| Net interest income | 3,540,000 | 7,147,000 | 10,620,000 | 14,199,000 |
| Noninterest income | 681,000 | 848,000 | 1,013,000 | 1,191,000 |
| Noninterest expense | 1,453,000 | 2,968,000 | 4,522,000 | 6,048,000 |
| Provision for loan losses | 75,000 | 150,000 | 300,000 | 369,000 |
| Pretax income | 2,693,000 | 4,877,000 | 6,811,000 | 8,896,000 |
| Income tax | 0 | 0 | 0 | 258,000 |
| Net income | 2,693,000 | 4,877,000 | 6,811,000 | 8,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,912,000 | 41,355,000 | 41,490,000 | 41,478,000 |