Call reports 2025
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2025
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION 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 | 15,263,140,000 | 15,418,191,000 | 15,669,875,000 | 15,634,835,000 |
| Total loans | 8,363,632,000 | 8,358,501,000 | 8,470,906,000 | 8,699,193,000 |
| Allowance for loan losses | 78,252,000 | 78,003,000 | 79,336,000 | 77,161,000 |
| Securities available for sale | 2,533,640,000 | 2,484,785,000 | 2,577,741,000 | 2,681,378,000 |
| Securities held to maturity | 2,359,141,000 | 2,327,230,000 | 2,297,909,000 | 2,270,391,000 |
| Trading assets | 1,426,000 | 1,521,000 | 1,656,000 | 1,692,000 |
| Total deposits | 12,039,174,000 | 12,039,373,000 | 12,175,315,000 | 12,127,912,000 |
| Interest-bearing deposits | 4,854,516,000 | 4,791,913,000 | 4,929,985,000 | 5,326,883,000 |
| Noninterest-bearing deposits | 7,184,658,000 | 7,247,460,000 | 7,245,330,000 | 6,801,029,000 |
| Equity capital | 2,212,100,000 | 2,218,177,000 | 2,262,447,000 | 2,270,968,000 |
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 | 142,565,000 | 286,404,000 | 436,186,000 | 591,897,000 |
| Interest expense | 32,125,000 | 64,359,000 | 98,569,000 | 131,628,000 |
| Net interest income | 110,440,000 | 222,045,000 | 337,617,000 | 460,269,000 |
| Noninterest income | 16,003,000 | 30,678,000 | 51,724,000 | 65,656,000 |
| Noninterest expense | 56,635,000 | 112,182,000 | 168,289,000 | 227,288,000 |
| Provision for loan losses | -2,000,000 | -2,000,000 | -1,000,000 | -3,500,000 |
| Pretax income | 71,530,000 | 142,310,000 | 213,279,000 | 289,642,000 |
| Income tax | 19,071,000 | 37,942,000 | 54,997,000 | 74,961,000 |
| Net income | 52,459,000 | 104,368,000 | 158,282,000 | 214,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,719,949,000 | 1,717,851,000 | 1,742,715,000 | 1,732,156,000 |
| Total capital | 1,804,951,000 | 1,802,604,000 | 1,829,301,000 | 1,817,567,000 |
| Risk-weighted assets | 10,514,057,000 | 10,536,305,000 | 10,797,316,000 | 11,058,796,000 |