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 | 261,514,000 | 271,968,000 | 294,729,000 | 302,814,000 |
| Total loans | 166,741,000 | 180,544,000 | 184,251,000 | 178,179,000 |
| Allowance for loan losses | 1,312,000 | 1,342,000 | 1,372,000 | 1,402,000 |
| Securities available for sale | 19,411,000 | 18,726,000 | 24,911,000 | 30,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,505,000 | 237,546,000 | 260,318,000 | 268,546,000 |
| Interest-bearing deposits | 177,390,000 | 188,331,000 | 211,668,000 | 216,301,000 |
| Noninterest-bearing deposits | 50,115,000 | 49,215,000 | 48,650,000 | 52,245,000 |
| Equity capital | 26,851,000 | 27,584,000 | 28,671,000 | 29,482,000 |
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 | 4,352,000 | 8,860,000 | 13,636,000 | 18,506,000 |
| Interest expense | 1,439,000 | 2,957,000 | 4,599,000 | 6,337,000 |
| Net interest income | 2,913,000 | 5,903,000 | 9,037,000 | 12,169,000 |
| Noninterest income | 113,000 | 234,000 | 345,000 | 451,000 |
| Noninterest expense | 1,400,000 | 2,715,000 | 4,092,000 | 5,482,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,596,000 | 3,362,000 | 5,200,000 | 7,018,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,596,000 | 3,362,000 | 5,200,000 | 7,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,810,000 | 28,500,000 | 29,263,000 | 29,912,000 |
| Total capital | 29,122,000 | 29,842,000 | 30,635,000 | 31,314,000 |
| Risk-weighted assets | 180,899,000 | 195,810,000 | 202,921,000 | 195,098,000 |