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 | 656,950,000 | 663,281,000 | 698,203,000 | 696,309,000 |
| Total loans | 442,342,000 | 449,166,000 | 453,200,000 | 460,013,000 |
| Allowance for loan losses | 5,767,000 | 5,870,000 | 5,815,000 | 5,941,000 |
| Securities available for sale | 178,288,000 | 174,516,000 | 180,126,000 | 182,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 596,593,000 | 601,142,000 | 632,016,000 | 627,356,000 |
| Interest-bearing deposits | 462,092,000 | 465,544,000 | 502,963,000 | 498,166,000 |
| Noninterest-bearing deposits | 134,501,000 | 135,598,000 | 129,053,000 | 129,190,000 |
| Equity capital | 58,448,000 | 60,107,000 | 64,045,000 | 66,163,000 |
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 | 7,739,000 | 15,604,000 | 23,917,000 | 32,496,000 |
| Interest expense | 2,337,000 | 4,764,000 | 7,550,000 | 10,327,000 |
| Net interest income | 5,402,000 | 10,840,000 | 16,367,000 | 22,169,000 |
| Noninterest income | 1,918,000 | 2,896,000 | 3,839,000 | 4,835,000 |
| Noninterest expense | 4,653,000 | 9,308,000 | 13,992,000 | 18,723,000 |
| Provision for loan losses | 161,000 | 275,000 | 262,000 | 393,000 |
| Pretax income | 2,509,000 | 4,152,000 | 5,957,000 | 7,915,000 |
| Income tax | 416,000 | 609,000 | 840,000 | 1,103,000 |
| Net income | 2,093,000 | 3,543,000 | 5,117,000 | 6,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,497,000 | 66,605,000 | 67,821,000 | 68,683,000 |
| Total capital | 71,264,000 | 72,475,000 | 73,636,000 | 74,624,000 |
| Risk-weighted assets | 527,554,000 | 533,767,000 | 520,087,000 | 539,527,000 |
Machine access — free, no API key
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