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 | 1,113,592,000 | 1,113,604,000 | 1,147,067,000 | 1,175,554,000 |
| Total loans | 716,503,000 | 723,195,000 | 720,723,000 | 752,388,000 |
| Allowance for loan losses | 7,738,000 | 8,078,000 | 8,229,000 | 8,727,000 |
| Securities available for sale | 242,315,000 | 265,743,000 | 263,626,000 | 292,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 961,165,000 | 941,707,000 | 968,516,000 | 993,305,000 |
| Interest-bearing deposits | 730,470,000 | 711,610,000 | 722,833,000 | 735,969,000 |
| Noninterest-bearing deposits | 230,695,000 | 230,097,000 | 245,683,000 | 257,336,000 |
| Equity capital | 137,193,000 | 140,427,000 | 146,915,000 | 151,048,000 |
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 | 13,103,000 | 27,305,000 | 41,641,000 | 56,451,000 |
| Interest expense | 4,468,000 | 8,746,000 | 13,144,000 | 17,397,000 |
| Net interest income | 8,635,000 | 18,559,000 | 28,497,000 | 39,054,000 |
| Noninterest income | 1,372,000 | 2,807,000 | 4,406,000 | 6,017,000 |
| Noninterest expense | 6,029,000 | 11,998,000 | 18,372,000 | 24,829,000 |
| Provision for loan losses | 450,000 | 690,000 | 980,000 | 1,492,000 |
| Pretax income | 3,474,000 | 8,574,000 | 13,447,000 | 18,970,000 |
| Income tax | 1,156,000 | 1,910,000 | 2,634,000 | 3,483,000 |
| Net income | 2,318,000 | 6,664,000 | 10,813,000 | 15,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,856,000 | 151,168,000 | 155,325,000 | 157,927,000 |