Call reports 2025
CITIZENS BANK, THE — 2025
What CITIZENS BANK, THE 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 | 204,812,000 | 214,424,000 | 215,359,000 | 221,290,000 |
| Total loans | 144,768,000 | 149,277,000 | 150,672,000 | 160,015,000 |
| Allowance for loan losses | 1,828,000 | 1,838,000 | 1,804,000 | 1,748,000 |
| Securities available for sale | 43,564,000 | 46,912,000 | 49,301,000 | 48,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,253,000 | 190,818,000 | 190,880,000 | 194,464,000 |
| Interest-bearing deposits | 145,855,000 | 155,298,000 | 152,636,000 | 153,651,000 |
| Noninterest-bearing deposits | 36,398,000 | 35,520,000 | 38,244,000 | 40,813,000 |
| Equity capital | 21,524,000 | 22,369,000 | 23,544,000 | 24,766,000 |
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 | 2,702,000 | 5,526,000 | 8,553,000 | 11,643,000 |
| Interest expense | 1,134,000 | 2,231,000 | 3,340,000 | 4,420,000 |
| Net interest income | 1,568,000 | 3,295,000 | 5,213,000 | 7,223,000 |
| Noninterest income | 238,000 | 470,000 | 742,000 | 998,000 |
| Noninterest expense | 1,271,000 | 2,446,000 | 3,875,000 | 5,184,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 535,000 | 1,319,000 | 2,080,000 | 3,037,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 535,000 | 1,319,000 | 2,080,000 | 3,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,777,000 | 25,689,000 | 26,209,000 | 27,142,000 |