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 | 798,513,000 | 832,786,000 | 846,183,000 | 831,732,000 |
| Total loans | 372,893,000 | 370,389,000 | 362,505,000 | 364,394,000 |
| Allowance for loan losses | 5,927,000 | 5,930,000 | 6,088,000 | 6,194,000 |
| Securities available for sale | 320,906,000 | 308,810,000 | 321,482,000 | 335,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 692,538,000 | 724,454,000 | 715,950,000 | 705,666,000 |
| Interest-bearing deposits | 338,945,000 | 351,340,000 | 355,637,000 | 354,941,000 |
| Noninterest-bearing deposits | 353,593,000 | 373,114,000 | 360,313,000 | 350,725,000 |
| Equity capital | 79,179,000 | 80,160,000 | 86,294,000 | 87,524,000 |
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 | 7,381,000 | 14,906,000 | 22,780,000 | 30,859,000 |
| Interest expense | 750,000 | 1,704,000 | 2,912,000 | 4,060,000 |
| Net interest income | 6,631,000 | 13,202,000 | 19,868,000 | 26,799,000 |
| Noninterest income | 629,000 | 1,324,000 | 1,971,000 | 2,589,000 |
| Noninterest expense | 6,610,000 | 13,155,000 | 19,850,000 | 26,356,000 |
| Provision for loan losses | 15,000 | 54,000 | 230,000 | 290,000 |
| Pretax income | 617,000 | 1,274,000 | 1,717,000 | 2,725,000 |
| Income tax | 87,000 | 163,000 | 200,000 | 199,000 |
| Net income | 530,000 | 1,111,000 | 1,517,000 | 2,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,504,000 | 112,085,000 | 112,492,000 | 112,304,000 |
| Total capital | 117,691,000 | 118,259,000 | 118,672,000 | 118,514,000 |
| Risk-weighted assets | 501,892,000 | 493,913,000 | 494,276,000 | 496,525,000 |