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 | 797,824,000 | 800,288,000 | 812,034,000 | 831,159,000 |
| Total loans | 433,610,000 | 437,689,000 | 456,018,000 | 451,775,000 |
| Allowance for loan losses | 5,035,000 | 5,159,000 | 5,375,000 | 5,433,000 |
| Securities available for sale | 315,887,000 | 304,403,000 | 320,074,000 | 324,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 697,049,000 | 702,735,000 | 700,571,000 | 713,438,000 |
| Interest-bearing deposits | 562,514,000 | 559,851,000 | 557,648,000 | 556,329,000 |
| Noninterest-bearing deposits | 134,535,000 | 142,884,000 | 142,923,000 | 157,109,000 |
| Equity capital | 95,668,000 | 93,015,000 | 106,358,000 | 112,713,000 |
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 | 10,201,000 | 21,158,000 | 32,193,000 | 43,546,000 |
| Interest expense | 4,218,000 | 8,185,000 | 12,123,000 | 16,107,000 |
| Net interest income | 5,983,000 | 12,973,000 | 20,070,000 | 27,439,000 |
| Noninterest income | 375,000 | 799,000 | 1,249,000 | 1,667,000 |
| Noninterest expense | 2,070,000 | 4,278,000 | 6,430,000 | 9,905,000 |
| Provision for loan losses | 111,000 | 272,000 | 458,000 | 644,000 |
| Pretax income | 4,177,000 | 9,222,000 | 14,432,000 | 18,333,000 |
| Income tax | 931,000 | 2,190,000 | 3,266,000 | 3,216,000 |
| Net income | 3,246,000 | 7,032,000 | 11,166,000 | 15,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,726,000 | 134,512,000 | 138,646,000 | 142,597,000 |