Call reports 2025
CITIZENS STATE BANK OF MILFORD — 2025
What CITIZENS STATE BANK OF MILFORD 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 | 57,218,000 | 53,328,000 | 54,687,000 | 57,509,000 |
| Total loans | 22,642,000 | 19,289,000 | 20,639,000 | 24,326,000 |
| Allowance for loan losses | 117,000 | 120,000 | 118,000 | 120,000 |
| Securities available for sale | 20,062,000 | 19,108,000 | 20,208,000 | 21,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,185,000 | 49,379,000 | 50,108,000 | 52,667,000 |
| Interest-bearing deposits | 36,957,000 | 35,493,000 | 36,335,000 | 38,625,000 |
| Noninterest-bearing deposits | 16,228,000 | 13,886,000 | 13,773,000 | 14,042,000 |
| Equity capital | 3,776,000 | 3,668,000 | 4,272,000 | 4,556,000 |
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 | 664,000 | 1,272,000 | 1,850,000 | 2,461,000 |
| Interest expense | 73,000 | 152,000 | 236,000 | 321,000 |
| Net interest income | 591,000 | 1,120,000 | 1,614,000 | 2,140,000 |
| Noninterest income | 29,000 | 52,000 | 92,000 | 169,000 |
| Noninterest expense | 514,000 | 1,017,000 | 1,535,000 | 2,036,000 |
| Provision for loan losses | 0 | 0 | -19,000 | -19,000 |
| Pretax income | 106,000 | 155,000 | 171,000 | 273,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 106,000 | 155,000 | 171,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,015,000 | 5,065,000 | 5,081,000 | 5,183,000 |
| Total capital | 5,150,000 | 5,202,000 | 5,218,000 | 5,323,000 |
| Risk-weighted assets | 36,722,000 | 34,591,000 | 36,596,000 | 40,566,000 |