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 | 474,772,000 | 478,781,000 | 480,864,000 | 470,124,000 |
| Total loans | 302,544,000 | 293,850,000 | 299,266,000 | 300,343,000 |
| Allowance for loan losses | 3,732,000 | 3,841,000 | 3,808,000 | 3,861,000 |
| Securities available for sale | 74,786,000 | 79,182,000 | 93,031,000 | 96,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,115,000 | 418,404,000 | 416,699,000 | 404,771,000 |
| Interest-bearing deposits | 277,853,000 | 277,276,000 | 273,985,000 | 269,401,000 |
| Noninterest-bearing deposits | 138,262,000 | 141,128,000 | 142,714,000 | 135,370,000 |
| Equity capital | 54,289,000 | 55,818,000 | 59,528,000 | 60,058,000 |
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 | 6,545,000 | 13,325,000 | 20,174,000 | 27,173,000 |
| Interest expense | 1,387,000 | 2,705,000 | 3,993,000 | 5,212,000 |
| Net interest income | 5,158,000 | 10,620,000 | 16,181,000 | 21,961,000 |
| Noninterest income | 1,124,000 | 2,255,000 | 3,358,000 | 4,448,000 |
| Noninterest expense | 3,825,000 | 7,584,000 | 11,360,000 | 16,146,000 |
| Provision for loan losses | 253,000 | 425,000 | 538,000 | 560,000 |
| Pretax income | 2,204,000 | 4,866,000 | 7,641,000 | 9,703,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,204,000 | 4,866,000 | 7,641,000 | 9,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,280,000 | 61,342,000 | 64,117,000 | 64,379,000 |
| Total capital | 64,009,000 | 64,972,000 | 67,751,000 | 68,106,000 |
| Risk-weighted assets | 298,244,000 | 290,144,000 | 290,494,000 | 297,946,000 |