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 | 336,708,000 | 352,129,000 | 363,911,000 | 350,183,000 |
| Total loans | 303,158,000 | 322,727,000 | 323,179,000 | 318,173,000 |
| Allowance for loan losses | 4,986,000 | 5,143,000 | 5,143,000 | 5,152,000 |
| Securities available for sale | 8,256,000 | 8,233,000 | 7,140,000 | 7,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,527,000 | 303,918,000 | 314,505,000 | 300,436,000 |
| Interest-bearing deposits | 216,851,000 | 232,543,000 | 241,486,000 | 228,227,000 |
| Noninterest-bearing deposits | 72,676,000 | 71,375,000 | 73,019,000 | 72,209,000 |
| Equity capital | 43,084,000 | 43,949,000 | 45,028,000 | 45,920,000 |
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 | 4,784,000 | 9,797,000 | 15,073,000 | 20,385,000 |
| Interest expense | 1,565,000 | 3,168,000 | 4,874,000 | 6,601,000 |
| Net interest income | 3,219,000 | 6,629,000 | 10,199,000 | 13,784,000 |
| Noninterest income | 233,000 | 469,000 | 735,000 | 1,061,000 |
| Noninterest expense | 2,315,000 | 4,605,000 | 7,118,000 | 9,803,000 |
| Provision for loan losses | 0 | 145,000 | 145,000 | 145,000 |
| Pretax income | 1,168,000 | 2,383,000 | 3,710,000 | 4,944,000 |
| Income tax | 239,000 | 488,000 | 760,000 | 1,012,000 |
| Net income | 929,000 | 1,895,000 | 2,950,000 | 3,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,169,000 | 44,035,000 | 45,091,000 | 45,974,000 |
| Total capital | 47,171,000 | 48,194,000 | 49,254,000 | 50,014,000 |
| Risk-weighted assets | 319,111,000 | 331,680,000 | 332,001,000 | 322,061,000 |