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 | 127,472,000 | 126,863,000 | 123,933,000 | 125,054,000 |
| Total loans | 74,293,000 | 77,471,000 | 74,989,000 | 70,488,000 |
| Allowance for loan losses | 598,000 | 583,000 | 530,000 | 553,000 |
| Securities available for sale | 38,118,000 | 37,761,000 | 36,420,000 | 41,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,617,000 | 102,612,000 | 98,438,000 | 99,712,000 |
| Interest-bearing deposits | 78,581,000 | 79,167,000 | 76,939,000 | 75,795,000 |
| Noninterest-bearing deposits | 25,036,000 | 23,445,000 | 21,499,000 | 23,917,000 |
| Equity capital | 20,303,000 | 20,939,000 | 22,009,000 | 21,992,000 |
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 | 1,632,000 | 3,321,000 | 5,015,000 | 6,670,000 |
| Interest expense | 550,000 | 1,086,000 | 1,606,000 | 2,138,000 |
| Net interest income | 1,082,000 | 2,235,000 | 3,409,000 | 4,532,000 |
| Noninterest income | 45,000 | 97,000 | 188,000 | 251,000 |
| Noninterest expense | 692,000 | 1,374,000 | 2,087,000 | 2,873,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 411,000 | 912,000 | 1,433,000 | 1,813,000 |
| Income tax | 9,000 | 24,000 | 39,000 | 54,000 |
| Net income | 402,000 | 888,000 | 1,394,000 | 1,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,797,000 | 24,161,000 | 24,544,000 | 24,356,000 |