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 | 232,851,000 | 247,411,000 | 245,726,000 | 241,802,000 |
| Total loans | 162,731,000 | 166,319,000 | 173,622,000 | 175,218,000 |
| Allowance for loan losses | 1,621,000 | 1,663,000 | 1,751,000 | 1,752,000 |
| Securities available for sale | 39,167,000 | 38,568,000 | 39,239,000 | 38,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 2,053,000 | 2,600,000 |
| Total deposits | 213,102,000 | 227,093,000 | 223,848,000 | 190,968,000 |
| Interest-bearing deposits | 158,594,000 | 172,012,000 | 167,909,000 | 134,363,000 |
| Noninterest-bearing deposits | 54,508,000 | 55,081,000 | 55,939,000 | 56,605,000 |
| Equity capital | 18,922,000 | 19,386,000 | 20,803,000 | 21,713,000 |
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 | 3,076,000 | 6,413,000 | 9,902,000 | 13,383,000 |
| Interest expense | 1,126,000 | 2,292,000 | 3,580,000 | 4,839,000 |
| Net interest income | 1,950,000 | 4,121,000 | 6,322,000 | 8,544,000 |
| Noninterest income | 122,000 | 297,000 | 540,000 | 703,000 |
| Noninterest expense | 1,476,000 | 2,908,000 | 4,386,000 | 5,844,000 |
| Provision for loan losses | 50,000 | 70,000 | 175,000 | 175,000 |
| Pretax income | 507,000 | 1,379,000 | 2,223,000 | 3,152,000 |
| Income tax | 105,000 | 306,000 | 494,000 | 704,000 |
| Net income | 402,000 | 1,073,000 | 1,729,000 | 2,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,383,000 | 24,009,000 | 24,622,000 | 25,292,000 |
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