Call reports 2025
CITIZENS BANK COMPANY, THE — 2025
What CITIZENS BANK COMPANY, 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 | 322,267,000 | 332,404,000 | 331,901,000 | 331,106,000 |
| Total loans | 195,095,000 | 203,599,000 | 198,874,000 | 191,170,000 |
| Allowance for loan losses | 5,455,000 | 5,563,000 | 5,633,000 | 5,551,000 |
| Securities available for sale | 78,921,000 | 80,547,000 | 86,719,000 | 88,704,000 |
| Securities held to maturity | 27,854,000 | 28,046,000 | 28,226,000 | 28,403,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,675,000 | 283,865,000 | 290,488,000 | 289,092,000 |
| Interest-bearing deposits | 215,637,000 | 218,125,000 | 225,417,000 | 219,681,000 |
| Noninterest-bearing deposits | 65,038,000 | 65,740,000 | 65,071,000 | 69,411,000 |
| Equity capital | 35,176,000 | 34,216,000 | 37,556,000 | 39,712,000 |
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 | 3,807,000 | 7,792,000 | 11,939,000 | 15,963,000 |
| Interest expense | 1,303,000 | 2,678,000 | 4,041,000 | 5,365,000 |
| Net interest income | 2,504,000 | 5,114,000 | 7,898,000 | 10,598,000 |
| Noninterest income | 301,000 | 628,000 | 971,000 | 1,278,000 |
| Noninterest expense | 1,810,000 | 3,515,000 | 5,554,000 | 7,904,000 |
| Provision for loan losses | -785,000 | -678,000 | -606,000 | -718,000 |
| Pretax income | 945,000 | 2,027,000 | 2,965,000 | 3,622,000 |
| Income tax | 75,000 | 152,000 | 228,000 | -95,000 |
| Net income | 870,000 | 1,875,000 | 2,737,000 | 3,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,251,000 | 43,082,000 | 43,664,000 | 44,439,000 |