Call reports 2025
CITIZENS STATE BANK OF NEW CASTLE — 2025
What CITIZENS STATE BANK OF NEW CASTLE 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 | 845,134,000 | 852,045,000 | 850,951,000 | 890,538,000 |
| Total loans | 498,491,000 | 515,278,000 | 534,590,000 | 562,092,000 |
| Allowance for loan losses | 6,566,000 | 6,797,000 | 7,014,000 | 7,307,000 |
| Securities available for sale | 76,329,000 | 73,170,000 | 75,304,000 | 71,556,000 |
| Securities held to maturity | 194,204,000 | 191,770,000 | 189,325,000 | 187,131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 750,656,000 | 745,505,000 | 731,675,000 | 775,438,000 |
| Interest-bearing deposits | 608,888,000 | 606,861,000 | 588,866,000 | 633,890,000 |
| Noninterest-bearing deposits | 141,768,000 | 138,644,000 | 142,809,000 | 141,548,000 |
| Equity capital | 83,782,000 | 85,546,000 | 87,961,000 | 89,652,000 |
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 | 9,701,000 | 19,990,000 | 30,713,000 | 41,799,000 |
| Interest expense | 3,013,000 | 6,099,000 | 9,276,000 | 12,538,000 |
| Net interest income | 6,688,000 | 13,891,000 | 21,437,000 | 29,261,000 |
| Noninterest income | 1,228,000 | 2,571,000 | 3,941,000 | 5,407,000 |
| Noninterest expense | 5,440,000 | 10,997,000 | 16,889,000 | 22,898,000 |
| Provision for loan losses | 96,000 | 397,000 | 743,000 | 1,902,000 |
| Pretax income | 2,517,000 | 5,181,000 | 7,841,000 | 9,968,000 |
| Income tax | 561,000 | 1,142,000 | 1,728,000 | 2,034,000 |
| Net income | 1,956,000 | 4,039,000 | 6,113,000 | 7,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,497,000 | 88,230,000 | 89,954,000 | 91,426,000 |
| Total capital | 93,152,000 | 95,116,000 | 97,069,000 | 98,834,000 |
| Risk-weighted assets | 536,111,000 | 554,835,000 | 572,556,000 | 599,566,000 |