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 | 440,961,000 | 433,461,000 | 450,177,000 | 474,210,000 |
| Total loans | 262,338,000 | 271,897,000 | 280,367,000 | 287,226,000 |
| Allowance for loan losses | 2,769,000 | 2,874,000 | 2,962,000 | 3,035,000 |
| Securities available for sale | 148,636,000 | 147,876,000 | 144,642,000 | 147,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,170,000 | 389,984,000 | 402,397,000 | 424,410,000 |
| Interest-bearing deposits | 295,649,000 | 287,519,000 | 296,740,000 | 319,383,000 |
| Noninterest-bearing deposits | 103,521,000 | 102,465,000 | 105,657,000 | 105,027,000 |
| Equity capital | 37,896,000 | 39,059,000 | 43,372,000 | 43,182,000 |
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 | 5,029,000 | 10,319,000 | 15,794,000 | 21,581,000 |
| Interest expense | 1,967,000 | 3,976,000 | 5,994,000 | 8,175,000 |
| Net interest income | 3,062,000 | 6,343,000 | 9,800,000 | 13,406,000 |
| Noninterest income | 247,000 | 508,000 | 774,000 | 1,034,000 |
| Noninterest expense | 1,626,000 | 3,215,000 | 4,932,000 | 6,698,000 |
| Provision for loan losses | 113,000 | 221,000 | 314,000 | 392,000 |
| Pretax income | 1,570,000 | 3,415,000 | 5,378,000 | 7,330,000 |
| Income tax | 241,000 | 598,000 | 940,000 | 1,222,000 |
| Net income | 1,329,000 | 2,817,000 | 4,438,000 | 6,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,600,000 | 49,279,000 | 50,901,000 | 50,710,000 |