Call reports 2025
CITIZENS STATE BANK OF ROSEAU — 2025
What CITIZENS STATE BANK OF ROSEAU 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 | 283,203,000 | 278,529,000 | 281,100,000 | 286,519,000 |
| Total loans | 152,468,000 | 156,929,000 | 157,424,000 | 163,200,000 |
| Allowance for loan losses | 1,789,000 | 1,859,000 | 1,817,000 | 1,750,000 |
| Securities available for sale | 63,949,000 | 64,970,000 | 61,997,000 | 60,519,000 |
| Securities held to maturity | 48,175,000 | 49,765,000 | 51,165,000 | 54,818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,010,000 | 242,553,000 | 246,442,000 | 251,314,000 |
| Interest-bearing deposits | 185,170,000 | 179,898,000 | 187,547,000 | 185,918,000 |
| Noninterest-bearing deposits | 65,840,000 | 62,655,000 | 58,895,000 | 65,396,000 |
| Equity capital | 30,484,000 | 31,520,000 | 32,806,000 | 33,852,000 |
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 | 3,163,000 | 6,522,000 | 9,930,000 | 13,385,000 |
| Interest expense | 1,130,000 | 2,234,000 | 3,376,000 | 4,506,000 |
| Net interest income | 2,033,000 | 4,288,000 | 6,554,000 | 8,879,000 |
| Noninterest income | 439,000 | 719,000 | 932,000 | 1,134,000 |
| Noninterest expense | 1,302,000 | 2,614,000 | 3,946,000 | 5,334,000 |
| Provision for loan losses | 86,000 | 234,000 | 307,000 | 455,000 |
| Pretax income | 1,082,000 | 2,158,000 | 3,213,000 | 4,209,000 |
| Income tax | 33,000 | 51,000 | 70,000 | 88,000 |
| Net income | 1,049,000 | 2,107,000 | 3,143,000 | 4,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,917,000 | 37,325,000 | 37,961,000 | 38,438,000 |