Call reports 2025
CITY STATE BANK — 2025
What CITY 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 | 773,955,000 | 750,599,000 | 733,110,000 | 774,887,000 |
| Total loans | 557,175,000 | 571,992,000 | 590,618,000 | 582,296,000 |
| Allowance for loan losses | 6,176,000 | 7,407,000 | 7,409,000 | 7,212,000 |
| Securities available for sale | 96,517,000 | 82,184,000 | 73,692,000 | 70,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 689,854,000 | 661,427,000 | 641,601,000 | 684,101,000 |
| Interest-bearing deposits | 552,557,000 | 535,975,000 | 519,297,000 | 547,979,000 |
| Noninterest-bearing deposits | 137,297,000 | 125,452,000 | 122,304,000 | 136,122,000 |
| Equity capital | 66,051,000 | 68,783,000 | 70,704,000 | 71,498,000 |
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 | 9,405,000 | 19,263,000 | 29,339,000 | 39,514,000 |
| Interest expense | 4,243,000 | 8,471,000 | 12,649,000 | 16,901,000 |
| Net interest income | 5,162,000 | 10,792,000 | 16,690,000 | 22,613,000 |
| Noninterest income | 2,586,000 | 4,986,000 | 7,379,000 | 9,969,000 |
| Noninterest expense | 4,657,000 | 9,464,000 | 14,851,000 | 20,251,000 |
| Provision for loan losses | 375,000 | 500,000 | 500,000 | 500,000 |
| Pretax income | 2,716,000 | 5,814,000 | 8,779,000 | 11,893,000 |
| Income tax | 84,000 | 210,000 | 331,000 | 458,000 |
| Net income | 2,632,000 | 5,604,000 | 8,448,000 | 11,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,699,000 | 69,823,000 | 71,218,000 | 71,848,000 |
| Total capital | 73,875,000 | 77,104,000 | — | — |
| Risk-weighted assets | 570,099,000 | 582,392,000 | — | — |