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 | 237,114,000 | 242,736,000 | 246,261,000 | 251,504,000 |
| Total loans | 196,499,000 | 203,262,000 | 210,850,000 | 214,712,000 |
| Allowance for loan losses | 2,110,000 | 2,150,000 | 2,196,000 | 2,163,000 |
| Securities available for sale | 18,805,000 | 18,059,000 | 16,972,000 | 16,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,016,000 | 212,173,000 | 212,965,000 | 219,991,000 |
| Interest-bearing deposits | 183,305,000 | 185,296,000 | 186,343,000 | 195,194,000 |
| Noninterest-bearing deposits | 27,711,000 | 26,877,000 | 26,622,000 | 24,797,000 |
| Equity capital | 18,318,000 | 18,788,000 | 19,470,000 | 19,527,000 |
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 | 3,514,000 | 7,075,000 | 10,762,000 | 14,550,000 |
| Interest expense | 1,274,000 | 2,544,000 | 3,866,000 | 5,187,000 |
| Net interest income | 2,240,000 | 4,531,000 | 6,896,000 | 9,363,000 |
| Noninterest income | 379,000 | 709,000 | 1,048,000 | 1,435,000 |
| Noninterest expense | 1,749,000 | 3,509,000 | 5,310,000 | 7,318,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 810,000 | 1,611,000 | 2,454,000 | 3,300,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 810,000 | 1,611,000 | 2,454,000 | 3,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,486,000 | 18,903,000 | 19,498,000 | 19,469,000 |
| Total capital | 20,577,000 | 21,053,000 | 21,685,000 | 21,632,000 |
| Risk-weighted assets | 167,291,000 | 172,382,000 | 174,971,000 | 175,396,000 |
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