Call reports 2025
CITIZENS' BANK, INC. — 2025
What CITIZENS' BANK, INC. 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 | 155,904,000 | 156,260,000 | 159,320,000 | 155,974,000 |
| Total loans | 81,763,000 | 80,499,000 | 83,382,000 | 86,536,000 |
| Allowance for loan losses | 889,000 | 917,000 | 910,000 | 911,000 |
| Securities available for sale | 42,840,000 | 43,955,000 | 45,508,000 | 40,493,000 |
| Securities held to maturity | 17,961,000 | 17,975,000 | 17,469,000 | 17,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,033,000 | 143,357,000 | 141,193,000 | 139,906,000 |
| Interest-bearing deposits | 99,712,000 | 99,410,000 | 96,921,000 | 95,354,000 |
| Noninterest-bearing deposits | 43,321,000 | 43,947,000 | 44,272,000 | 44,552,000 |
| Equity capital | 12,255,000 | 12,340,000 | 13,635,000 | 14,377,000 |
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 | 1,803,000 | 3,641,000 | 5,559,000 | 7,473,000 |
| Interest expense | 607,000 | 1,195,000 | 1,751,000 | 2,304,000 |
| Net interest income | 1,196,000 | 2,446,000 | 3,808,000 | 5,169,000 |
| Noninterest income | 68,000 | 127,000 | 194,000 | 286,000 |
| Noninterest expense | 946,000 | 1,942,000 | 2,967,000 | 3,961,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 30,000 |
| Pretax income | 318,000 | 601,000 | 1,005,000 | 1,464,000 |
| Income tax | 28,000 | 56,000 | 83,000 | 42,000 |
| Net income | 290,000 | 545,000 | 922,000 | 1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,935,000 | 16,189,000 | 16,567,000 | 17,068,000 |