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 | 1,050,967,000 | 1,057,331,000 | 1,041,135,000 | 1,103,926,000 |
| Total loans | 588,548,000 | 594,473,000 | 603,625,000 | 628,093,000 |
| Allowance for loan losses | 6,747,000 | 7,067,000 | 7,488,000 | 7,514,000 |
| Securities available for sale | 230,526,000 | 236,462,000 | 250,665,000 | 268,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 936,128,000 | 939,691,000 | 915,558,000 | 978,214,000 |
| Interest-bearing deposits | 693,599,000 | 689,859,000 | 675,446,000 | 718,027,000 |
| Noninterest-bearing deposits | 242,529,000 | 249,832,000 | 240,112,000 | 260,187,000 |
| Equity capital | 106,669,000 | 109,444,000 | 115,741,000 | 117,502,000 |
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 | 12,975,000 | 26,119,000 | 39,571,000 | 53,364,000 |
| Interest expense | 3,302,000 | 6,332,000 | 9,339,000 | 12,135,000 |
| Net interest income | 9,673,000 | 19,787,000 | 30,232,000 | 41,229,000 |
| Noninterest income | 1,840,000 | 3,962,000 | 6,093,000 | 8,298,000 |
| Noninterest expense | 7,532,000 | 16,052,000 | 23,996,000 | 33,215,000 |
| Provision for loan losses | 512,000 | 904,000 | 1,458,000 | 1,483,000 |
| Pretax income | 3,469,000 | 6,793,000 | 10,871,000 | 14,712,000 |
| Income tax | 885,000 | 1,321,000 | 2,104,000 | 2,788,000 |
| Net income | 2,584,000 | 5,472,000 | 8,767,000 | 11,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,559,000 | 102,106,000 | 105,578,000 | 105,184,000 |
| Total capital | 105,856,000 | 109,723,000 | 113,151,000 | 113,273,000 |
| Risk-weighted assets | 594,885,000 | 615,673,000 | 605,447,000 | 649,494,000 |