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 | 422,945,000 | 456,546,000 | 447,664,000 | 497,871,000 |
| Total loans | 283,426,000 | 284,444,000 | 284,158,000 | 295,069,000 |
| Allowance for loan losses | 3,071,000 | 3,107,000 | 3,523,000 | 2,090,000 |
| Securities available for sale | 106,181,000 | 106,076,000 | 111,047,000 | 115,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,898,000 | 413,254,000 | 400,274,000 | 447,671,000 |
| Interest-bearing deposits | 341,860,000 | 380,005,000 | 365,742,000 | 409,483,000 |
| Noninterest-bearing deposits | 38,038,000 | 33,249,000 | 34,532,000 | 38,188,000 |
| Equity capital | 39,885,000 | 40,132,000 | 43,933,000 | 46,799,000 |
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 | 5,305,000 | 10,937,000 | 16,691,000 | 22,312,000 |
| Interest expense | 1,762,000 | 3,642,000 | 5,592,000 | 7,485,000 |
| Net interest income | 3,543,000 | 7,295,000 | 11,099,000 | 14,827,000 |
| Noninterest income | 584,000 | 1,171,000 | 1,869,000 | 2,624,000 |
| Noninterest expense | 2,382,000 | 4,778,000 | 7,258,000 | 9,611,000 |
| Provision for loan losses | 45,000 | 90,000 | 735,000 | 810,000 |
| Pretax income | 1,700,000 | 3,598,000 | 4,975,000 | 6,974,000 |
| Income tax | 145,000 | 241,000 | 337,000 | 433,000 |
| Net income | 1,555,000 | 3,357,000 | 4,638,000 | 6,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,252,000 | 45,100,000 | 45,951,000 | 47,898,000 |
| Total capital | 47,323,000 | 48,207,000 | 49,474,000 | 50,044,000 |
| Risk-weighted assets | 293,455,000 | 297,564,000 | 287,227,000 | 317,566,000 |