Call reports 2025
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2025
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 263,744,000 | 263,151,000 | 263,723,000 | 279,751,000 |
| Total loans | 153,645,000 | 162,533,000 | 166,745,000 | 167,604,000 |
| Allowance for loan losses | 1,906,000 | 1,905,000 | 1,940,000 | 1,975,000 |
| Securities available for sale | 78,274,000 | 80,535,000 | 80,547,000 | 82,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,425,000 | 199,643,000 | 194,638,000 | 215,569,000 |
| Interest-bearing deposits | 160,195,000 | 160,180,000 | 156,134,000 | 173,776,000 |
| Noninterest-bearing deposits | 39,230,000 | 39,463,000 | 38,504,000 | 41,793,000 |
| Equity capital | 16,766,000 | 18,353,000 | 19,800,000 | 20,684,000 |
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 | 3,056,000 | 6,347,000 | 9,668,000 | 13,106,000 |
| Interest expense | 1,302,000 | 2,758,000 | 4,163,000 | 5,718,000 |
| Net interest income | 1,754,000 | 3,589,000 | 5,505,000 | 7,388,000 |
| Noninterest income | 547,000 | 1,085,000 | 1,651,000 | 2,229,000 |
| Noninterest expense | 1,450,000 | 2,923,000 | 4,457,000 | 6,004,000 |
| Provision for loan losses | 24,000 | 40,000 | 72,000 | 108,000 |
| Pretax income | 827,000 | 1,703,000 | 2,619,000 | 3,497,000 |
| Income tax | 12,000 | 38,000 | 64,000 | 102,000 |
| Net income | 815,000 | 1,665,000 | 2,555,000 | 3,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,370,000 | 25,845,000 | 26,362,000 | 26,678,000 |
| Total capital | 27,180,000 | 27,748,000 | 28,302,000 | — |
| Risk-weighted assets | 144,631,000 | 152,202,000 | 155,163,000 | — |