Call reports 2025
CITIZENS BANK, NATIONAL ASSOCIATION — 2025
What CITIZENS BANK, NATIONAL ASSOCIATION 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 | 220,014,392,000 | 217,970,015,000 | 222,110,656,000 | 225,863,637,000 |
| Total loans | 140,555,719,000 | 141,521,047,000 | 142,324,909,000 | 144,107,700,000 |
| Allowance for loan losses | 2,014,314,000 | 2,007,605,000 | 1,971,530,000 | 1,942,574,000 |
| Securities available for sale | 34,207,653,000 | 34,657,950,000 | 35,418,615,000 | 35,696,718,000 |
| Securities held to maturity | 8,468,716,000 | 8,292,718,000 | 8,123,881,000 | 7,932,689,000 |
| Trading assets | 942,374,000 | 948,838,000 | 851,826,000 | 830,189,000 |
| Total deposits | 181,419,006,000 | 178,748,164,000 | 183,738,600,000 | 186,283,426,000 |
| Interest-bearing deposits | 139,495,851,000 | 137,037,663,000 | 140,487,436,000 | 142,692,416,000 |
| Noninterest-bearing deposits | 41,923,155,000 | 41,710,501,000 | 43,251,164,000 | 43,591,010,000 |
| Equity capital | 25,408,466,000 | 25,936,975,000 | 26,409,305,000 | 26,838,113,000 |
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 | 2,350,107,000 | 4,756,849,000 | 7,213,082,000 | 9,657,046,000 |
| Interest expense | 919,014,000 | 1,839,232,000 | 2,764,421,000 | 3,631,972,000 |
| Net interest income | 1,431,093,000 | 2,917,617,000 | 4,448,661,000 | 6,025,074,000 |
| Noninterest income | 482,458,000 | 1,024,890,000 | 1,541,180,000 | 2,080,969,000 |
| Noninterest expense | 1,245,790,000 | 2,509,727,000 | 3,768,260,000 | 5,073,910,000 |
| Provision for loan losses | 153,426,000 | 313,613,000 | 439,759,000 | 564,910,000 |
| Pretax income | 522,173,000 | 1,128,182,000 | 1,765,027,000 | 2,445,975,000 |
| Income tax | 106,515,000 | 236,255,000 | 372,705,000 | 523,607,000 |
| Net income | 415,658,000 | 891,927,000 | 1,392,322,000 | 1,922,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,492,047,000 | 20,714,112,000 | 20,823,299,000 | 20,946,432,000 |
| Total capital | 23,675,208,000 | 23,899,185,000 | 24,009,502,000 | 24,135,936,000 |
| Risk-weighted assets | 166,195,829,000 | 166,967,349,000 | 167,766,831,000 | 170,655,508,000 |