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 | 193,040,000 | 187,700,000 | 187,781,000 | 183,794,000 |
| Total loans | 158,712,000 | 159,924,000 | 161,936,000 | 163,876,000 |
| Allowance for loan losses | 1,762,000 | 1,790,000 | 1,818,000 | 1,791,000 |
| Securities available for sale | 7,403,000 | 5,628,000 | 3,439,000 | 2,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,947,000 | 169,645,000 | 170,046,000 | 165,062,000 |
| Interest-bearing deposits | 115,823,000 | 110,630,000 | 109,407,000 | 106,152,000 |
| Noninterest-bearing deposits | 59,124,000 | 59,015,000 | 60,639,000 | 58,910,000 |
| Equity capital | 17,490,000 | 17,470,000 | 16,978,000 | 15,301,000 |
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 | 3,444,000 | 6,857,000 | 10,247,000 | 13,621,000 |
| Interest expense | 539,000 | 1,071,000 | 1,590,000 | 2,092,000 |
| Net interest income | 2,905,000 | 5,786,000 | 8,657,000 | 11,529,000 |
| Noninterest income | 177,000 | 369,000 | 548,000 | 703,000 |
| Noninterest expense | 1,697,000 | 3,395,000 | 5,119,000 | 6,846,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,355,000 | 2,700,000 | 3,996,000 | 5,266,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,355,000 | 2,700,000 | 3,996,000 | 5,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,344,000 | 17,338,000 | 16,855,000 | 15,200,000 |
| Total capital | 19,106,000 | 19,128,000 | 18,673,000 | 16,991,000 |
| Risk-weighted assets | 153,860,000 | 151,592,000 | 151,878,000 | 150,779,000 |