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 | 461,320,000 | 463,314,000 | 470,439,000 | 477,749,000 |
| Total loans | 389,234,000 | 389,971,000 | 391,963,000 | 404,971,000 |
| Allowance for loan losses | 4,923,000 | 4,617,000 | 4,742,000 | 4,886,000 |
| Securities available for sale | 42,344,000 | 42,362,000 | 42,207,000 | 47,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,600,000 | 397,932,000 | 403,648,000 | 400,823,000 |
| Interest-bearing deposits | 343,454,000 | 347,165,000 | 350,710,000 | 347,636,000 |
| Noninterest-bearing deposits | 49,146,000 | 50,767,000 | 52,938,000 | 53,187,000 |
| Equity capital | 40,740,000 | 41,739,000 | 43,238,000 | 44,800,000 |
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 | 6,518,000 | 13,297,000 | 20,313,000 | 27,218,000 |
| Interest expense | 2,675,000 | 5,454,000 | 8,144,000 | 10,670,000 |
| Net interest income | 3,843,000 | 7,843,000 | 12,169,000 | 16,548,000 |
| Noninterest income | 251,000 | 569,000 | 857,000 | 1,138,000 |
| Noninterest expense | 2,544,000 | 5,175,000 | 7,912,000 | 10,604,000 |
| Provision for loan losses | 256,000 | 527,000 | 657,000 | 808,000 |
| Pretax income | 1,264,000 | 2,649,000 | 4,346,000 | 6,024,000 |
| Income tax | 223,000 | 471,000 | 780,000 | 1,091,000 |
| Net income | 1,041,000 | 2,178,000 | 3,566,000 | 4,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,884,000 | 43,821,000 | 45,010,000 | 46,176,000 |