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 | 1,307,155,000 | 1,324,247,000 | 1,344,210,000 | 1,348,244,000 |
| Total loans | 1,012,472,000 | 1,039,215,000 | 1,060,362,000 | 1,060,642,000 |
| Allowance for loan losses | 10,270,000 | 10,707,000 | 10,074,000 | 10,133,000 |
| Securities available for sale | 126,007,000 | 140,888,000 | 137,680,000 | 145,860,000 |
| Securities held to maturity | 64,181,000 | 64,189,000 | 64,198,000 | 64,206,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,108,814,000 | 1,117,693,000 | 1,147,866,000 | 1,136,096,000 |
| Interest-bearing deposits | 944,873,000 | 941,592,000 | 954,684,000 | 973,900,000 |
| Noninterest-bearing deposits | 163,941,000 | 176,101,000 | 193,182,000 | 162,196,000 |
| Equity capital | 171,314,000 | 171,951,000 | 175,279,000 | 173,289,000 |
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 | 19,648,000 | 40,391,000 | 61,743,000 | 83,638,000 |
| Interest expense | 7,496,000 | 15,178,000 | 22,806,000 | 30,295,000 |
| Net interest income | 12,152,000 | 25,213,000 | 38,937,000 | 53,343,000 |
| Noninterest income | 4,937,000 | 9,855,000 | 14,967,000 | 20,291,000 |
| Noninterest expense | 10,897,000 | 21,980,000 | 32,726,000 | 44,018,000 |
| Provision for loan losses | 181,000 | 1,143,000 | 1,849,000 | 2,514,000 |
| Pretax income | 6,048,000 | 11,986,000 | 19,398,000 | 27,182,000 |
| Income tax | 189,000 | 309,000 | 548,000 | 738,000 |
| Net income | 5,141,000 | 10,299,000 | 17,030,000 | 24,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,473,000 | 170,283,000 | 172,925,000 | 170,746,000 |
| Total capital | 179,808,000 | 181,056,000 | 183,061,000 | 180,925,000 |
| Risk-weighted assets | 1,097,765,000 | 1,143,551,000 | 1,173,190,000 | 1,176,029,000 |