Call reports 2025
CITIZENS BANK, THE — 2025
What CITIZENS BANK, THE 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 | 225,312,000 | 226,203,000 | 225,225,000 | 231,958,000 |
| Total loans | 140,598,000 | 143,887,000 | 146,063,000 | 147,268,000 |
| Allowance for loan losses | 1,390,000 | 1,443,000 | 1,429,000 | 1,473,000 |
| Securities available for sale | 38,473,000 | 40,603,000 | 42,164,000 | 44,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,891,000 | 183,109,000 | 176,662,000 | 176,530,000 |
| Interest-bearing deposits | 128,187,000 | 131,626,000 | 125,191,000 | 129,198,000 |
| Noninterest-bearing deposits | 49,704,000 | 51,483,000 | 51,471,000 | 47,332,000 |
| Equity capital | 15,913,000 | 16,441,000 | 17,428,000 | 18,059,000 |
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 | 2,679,000 | 5,578,000 | 8,625,000 | 11,699,000 |
| Interest expense | 374,000 | 786,000 | 1,221,000 | 1,644,000 |
| Net interest income | 2,305,000 | 4,792,000 | 7,404,000 | 10,055,000 |
| Noninterest income | 494,000 | 938,000 | 1,465,000 | 1,974,000 |
| Noninterest expense | 1,813,000 | 3,642,000 | 5,499,000 | 7,328,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 926,000 | 1,968,000 | 3,190,000 | 4,446,000 |
| Income tax | 0 | 6,000 | 8,000 | 11,000 |
| Net income | 926,000 | 1,962,000 | 3,182,000 | 4,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,383,000 | 17,610,000 | 18,320,000 | 18,821,000 |
| Total capital | 18,773,000 | 19,053,000 | 19,749,000 | 20,294,000 |
| Risk-weighted assets | 116,220,000 | 119,413,000 | 120,547,000 | 121,192,000 |