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 | 1,499,811,000 | 1,484,222,000 | 1,580,646,000 | 1,600,483,000 |
| Total loans | 1,206,340,000 | 1,208,939,000 | 1,226,949,000 | 1,272,656,000 |
| Allowance for loan losses | 16,781,000 | 16,730,000 | 16,723,000 | 17,868,000 |
| Securities available for sale | 93,943,000 | 89,954,000 | 98,183,000 | 99,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,370,746,000 | 1,351,230,000 | 1,445,907,000 | 1,458,975,000 |
| Interest-bearing deposits | 1,218,876,000 | 1,198,503,000 | 1,262,269,000 | 1,262,515,000 |
| Noninterest-bearing deposits | 151,870,000 | 152,727,000 | 183,638,000 | 196,460,000 |
| Equity capital | 123,493,000 | 125,140,000 | 129,666,000 | 135,177,000 |
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 | 20,235,000 | 42,229,000 | 64,321,000 | 86,906,000 |
| Interest expense | 8,482,000 | 17,475,000 | 26,363,000 | 35,179,000 |
| Net interest income | 11,753,000 | 24,754,000 | 37,958,000 | 51,727,000 |
| Noninterest income | 1,475,000 | 3,110,000 | 4,712,000 | 6,382,000 |
| Noninterest expense | 7,288,000 | 14,998,000 | 22,475,000 | 30,933,000 |
| Provision for loan losses | 300,000 | 700,000 | 1,300,000 | 3,150,000 |
| Pretax income | 5,770,000 | 12,310,000 | 19,039,000 | 24,247,000 |
| Income tax | 805,000 | 1,810,000 | 2,910,000 | 3,990,000 |
| Net income | 4,965,000 | 10,500,000 | 16,129,000 | 20,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,145,000 | 132,738,000 | 135,937,000 | 138,132,000 |
| Total capital | 144,537,000 | 149,060,000 | 152,689,000 | 155,550,000 |
| Risk-weighted assets | 1,309,766,000 | 1,304,196,000 | 1,339,023,000 | 1,391,830,000 |