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 | 364,923,000 | 373,679,000 | 447,976,000 | 462,831,000 |
| Total loans | 233,785,000 | 269,005,000 | 305,972,000 | 350,934,000 |
| Allowance for loan losses | 2,883,000 | 2,993,000 | 3,330,000 | 3,956,000 |
| Securities available for sale | 67,414,000 | 63,278,000 | 61,542,000 | 57,844,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,985,000 | 323,387,000 | 392,223,000 | 401,039,000 |
| Interest-bearing deposits | 236,018,000 | 234,105,000 | 299,651,000 | 309,079,000 |
| Noninterest-bearing deposits | 78,968,000 | 89,282,000 | 92,571,000 | 91,961,000 |
| Equity capital | 43,840,000 | 44,876,000 | 49,829,000 | 58,013,000 |
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 | 5,076,000 | 10,576,000 | 16,728,000 | 23,645,000 |
| Interest expense | 1,519,000 | 3,131,000 | 5,084,000 | 7,234,000 |
| Net interest income | 3,557,000 | 7,445,000 | 11,644,000 | 16,411,000 |
| Noninterest income | 196,000 | 396,000 | 798,000 | 1,071,000 |
| Noninterest expense | 2,563,000 | 5,424,000 | 8,756,000 | 12,446,000 |
| Provision for loan losses | 0 | 110,000 | 440,000 | 1,070,000 |
| Pretax income | 1,190,000 | 2,307,000 | 3,246,000 | 3,966,000 |
| Income tax | 218,000 | 446,000 | 638,000 | 762,000 |
| Net income | 972,000 | 1,861,000 | 2,608,000 | 3,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,924,000 | 50,894,000 | 54,736,000 | 62,618,000 |
| Total capital | 53,347,000 | 54,476,000 | 58,655,000 | 67,163,000 |
| Risk-weighted assets | 273,838,000 | 310,190,000 | 348,878,000 | 388,480,000 |