Call reports 2025
CITIZENS STATE BANK OF LANKIN — 2025
What CITIZENS STATE BANK OF LANKIN 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 | 67,302,000 | 69,026,000 | 70,419,000 | 72,205,000 |
| Total loans | 46,619,000 | 49,611,000 | 50,388,000 | 51,417,000 |
| Allowance for loan losses | 268,000 | 318,000 | 346,000 | 343,000 |
| Securities available for sale | 15,668,000 | 15,358,000 | 15,624,000 | 15,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,058,000 | 55,646,000 | 58,586,000 | 61,314,000 |
| Interest-bearing deposits | 31,483,000 | 31,535,000 | 36,234,000 | 38,750,000 |
| Noninterest-bearing deposits | 24,575,000 | 24,111,000 | 22,352,000 | 22,564,000 |
| Equity capital | 4,958,000 | 5,184,000 | 5,877,000 | 6,293,000 |
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 | 1,003,000 | 2,060,000 | 3,175,000 | 4,297,000 |
| Interest expense | 269,000 | 557,000 | 844,000 | 1,140,000 |
| Net interest income | 734,000 | 1,503,000 | 2,331,000 | 3,157,000 |
| Noninterest income | 53,000 | 111,000 | 148,000 | 215,000 |
| Noninterest expense | 554,000 | 1,107,000 | 1,658,000 | 2,334,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 215,000 | 389,000 | 696,000 | 915,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 215,000 | 389,000 | 696,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,892,000 | 7,066,000 | 7,373,000 | 7,592,000 |