Call reports 2025
CITIZENS BANK — 2025
What CITIZENS 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 | 487,972,000 | 489,128,000 | 499,031,000 | 511,745,000 |
| Total loans | 286,310,000 | 307,305,000 | 316,908,000 | 320,606,000 |
| Allowance for loan losses | 6,488,000 | 8,976,000 | 9,095,000 | 7,968,000 |
| Securities available for sale | 79,683,000 | 71,709,000 | 70,220,000 | 62,759,000 |
| Securities held to maturity | 208,000 | 194,000 | 173,000 | 158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,865,000 | 414,557,000 | 422,692,000 | 433,742,000 |
| Interest-bearing deposits | 296,870,000 | 296,071,000 | 300,615,000 | 311,826,000 |
| Noninterest-bearing deposits | 117,995,000 | 118,486,000 | 122,077,000 | 121,916,000 |
| Equity capital | 69,558,000 | 70,823,000 | 72,606,000 | 74,873,000 |
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 | 6,107,000 | 14,362,000 | 21,161,000 | 28,318,000 |
| Interest expense | 1,615,000 | 3,262,000 | 4,929,000 | 6,596,000 |
| Net interest income | 4,492,000 | 11,100,000 | 16,232,000 | 21,722,000 |
| Noninterest income | 233,000 | -1,751,000 | -1,337,000 | 1,093,000 |
| Noninterest expense | 3,847,000 | 8,000,000 | 11,929,000 | 18,053,000 |
| Provision for loan losses | 225,000 | -700,000 | -625,000 | -1,750,000 |
| Pretax income | 653,000 | 2,049,000 | 3,591,000 | 5,468,000 |
| Income tax | 140,000 | 436,000 | 764,000 | 1,201,000 |
| Net income | 513,000 | 1,613,000 | 2,827,000 | 4,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,283,000 | 72,294,000 | 73,432,000 | 74,797,000 |
| Total capital | 75,440,000 | 76,754,000 | 77,572,000 | 79,287,000 |
| Risk-weighted assets | 330,251,000 | 352,346,000 | 326,307,000 | 355,741,000 |