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 | 31,976,000 | 32,837,000 | 34,866,000 | 36,097,000 |
| Total loans | 26,430,000 | 28,566,000 | 30,121,000 | 30,732,000 |
| Allowance for loan losses | 210,000 | 200,000 | 202,000 | 204,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,687,000 | 25,470,000 | 26,659,000 | 28,347,000 |
| Interest-bearing deposits | 21,698,000 | 22,751,000 | 23,902,000 | 25,046,000 |
| Noninterest-bearing deposits | 2,989,000 | 2,719,000 | 2,757,000 | 3,301,000 |
| Equity capital | 3,517,000 | 3,595,000 | 3,612,000 | 3,716,000 |
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 | 509,000 | 1,040,000 | 1,642,000 | 2,219,000 |
| Interest expense | 194,000 | 395,000 | 614,000 | 835,000 |
| Net interest income | 315,000 | 645,000 | 1,028,000 | 1,384,000 |
| Noninterest income | 17,000 | 32,000 | 47,000 | 83,000 |
| Noninterest expense | 209,000 | 449,000 | 684,000 | 945,000 |
| Provision for loan losses | 2,000 | 6,000 | 131,000 | 133,000 |
| Pretax income | 121,000 | 222,000 | 260,000 | 389,000 |
| Income tax | 19,000 | 42,000 | 63,000 | 88,000 |
| Net income | 102,000 | 180,000 | 197,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,517,000 | 3,595,000 | 3,612,000 | 3,716,000 |