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 | 249,819,000 | 258,376,000 | 278,511,000 | 273,768,000 |
| Total loans | 199,069,000 | 200,608,000 | 206,009,000 | 205,730,000 |
| Allowance for loan losses | 2,560,000 | 2,620,000 | 2,643,000 | 2,688,000 |
| Securities available for sale | 21,308,000 | 17,987,000 | 19,813,000 | 20,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,223,000 | 230,952,000 | 250,414,000 | 244,807,000 |
| Interest-bearing deposits | 168,413,000 | 177,385,000 | 195,397,000 | 188,311,000 |
| Noninterest-bearing deposits | 54,810,000 | 53,567,000 | 55,017,000 | 56,496,000 |
| Equity capital | 25,900,000 | 26,650,000 | 27,451,000 | 28,212,000 |
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 | 3,984,000 | 8,128,000 | 12,432,000 | 16,872,000 |
| Interest expense | 1,299,000 | 2,689,000 | 4,234,000 | 5,814,000 |
| Net interest income | 2,685,000 | 5,439,000 | 8,198,000 | 11,058,000 |
| Noninterest income | 170,000 | 344,000 | 541,000 | 731,000 |
| Noninterest expense | 1,141,000 | 2,273,000 | 3,538,000 | 4,741,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,654,000 | 3,390,000 | 5,021,000 | 6,808,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,654,000 | 3,390,000 | 5,021,000 | 6,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,102,000 | 26,847,000 | 27,436,000 | 28,244,000 |