Call reports 2026
CITIZENS STATE BANK OF ROSEAU — 2026
What CITIZENS STATE BANK OF ROSEAU reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 286,018,000 | 290,907,000 |
| Total loans | 159,948,000 | 168,530,000 |
| Allowance for loan losses | 1,660,000 | 1,726,000 |
| Securities available for sale | 59,853,000 | 60,157,000 |
| Securities held to maturity | 53,608,000 | 55,738,000 |
| Trading assets | 0 | 0 |
| Total deposits | 250,263,000 | 247,968,000 |
| Interest-bearing deposits | 192,039,000 | 189,279,000 |
| Noninterest-bearing deposits | 58,224,000 | 58,689,000 |
| Equity capital | 34,090,000 | 34,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 3,393,000 | 6,874,000 |
| Interest expense | 1,062,000 | 2,115,000 |
| Net interest income | 2,331,000 | 4,759,000 |
| Noninterest income | 174,000 | 349,000 |
| Noninterest expense | 1,347,000 | 2,722,000 |
| Provision for loan losses | 51,000 | 114,000 |
| Pretax income | 1,087,000 | 2,283,000 |
| Income tax | 32,000 | 63,000 |
| Net income | 1,055,000 | 2,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 38,994,000 | 39,359,000 |