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 | 777,348,000 | 777,790,000 | 782,541,000 | 773,626,000 |
| Total loans | 312,069,000 | 309,382,000 | 314,824,000 | 308,271,000 |
| Allowance for loan losses | 3,871,000 | 3,842,000 | 3,946,000 | 4,183,000 |
| Securities available for sale | 289,262,000 | 290,560,000 | 298,054,000 | 303,229,000 |
| Securities held to maturity | 84,299,000 | 80,826,000 | 76,785,000 | 75,203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 683,901,000 | 685,797,000 | 682,558,000 | 673,014,000 |
| Interest-bearing deposits | 462,982,000 | 459,735,000 | 453,566,000 | 441,298,000 |
| Noninterest-bearing deposits | 220,919,000 | 226,062,000 | 228,992,000 | 231,716,000 |
| Equity capital | 35,590,000 | 37,684,000 | 41,956,000 | 44,395,000 |
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 | 8,670,000 | 17,261,000 | 26,069,000 | 34,760,000 |
| Interest expense | 1,658,000 | 3,325,000 | 4,938,000 | 6,504,000 |
| Net interest income | 7,012,000 | 13,936,000 | 21,131,000 | 28,256,000 |
| Noninterest income | 1,324,000 | 2,738,000 | 4,139,000 | 5,488,000 |
| Noninterest expense | 4,193,000 | 8,482,000 | 12,738,000 | 17,365,000 |
| Provision for loan losses | 41,000 | 39,000 | 167,000 | 431,000 |
| Pretax income | 4,143,000 | 8,142,000 | 12,282,000 | 16,129,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,143,000 | 8,142,000 | 12,282,000 | 16,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,043,000 | 75,141,000 | 75,382,000 | 76,164,000 |
| Total capital | 79,424,000 | 79,546,000 | 79,962,000 | 80,718,000 |
| Risk-weighted assets | 414,335,000 | 419,044,000 | 419,015,000 | 410,499,000 |