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 | 124,771,000 | 127,029,000 | 127,589,000 | 130,698,000 |
| Total loans | 38,200,000 | 38,238,000 | 37,775,000 | 39,922,000 |
| Allowance for loan losses | 464,000 | 488,000 | 492,000 | 493,000 |
| Securities available for sale | 63,466,000 | 63,373,000 | 69,165,000 | 68,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,426,000 | 115,458,000 | 114,462,000 | 117,799,000 |
| Interest-bearing deposits | 81,344,000 | 82,876,000 | 82,026,000 | 83,270,000 |
| Noninterest-bearing deposits | 32,082,000 | 32,582,000 | 32,436,000 | 34,529,000 |
| Equity capital | 10,754,000 | 10,954,000 | 12,499,000 | 12,262,000 |
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 | 1,309,000 | 2,652,000 | 4,035,000 | 5,421,000 |
| Interest expense | 476,000 | 943,000 | 1,403,000 | 1,852,000 |
| Net interest income | 833,000 | 1,709,000 | 2,632,000 | 3,569,000 |
| Noninterest income | 45,000 | 90,000 | 141,000 | 188,000 |
| Noninterest expense | 497,000 | 993,000 | 1,493,000 | 2,158,000 |
| Provision for loan losses | -105,000 | -75,000 | -65,000 | -65,000 |
| Pretax income | 366,000 | 746,000 | 1,210,000 | 1,529,000 |
| Income tax | 62,000 | 142,000 | 196,000 | 294,000 |
| Net income | 304,000 | 604,000 | 1,014,000 | 1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,029,000 | 15,229,000 | 15,738,000 | 15,185,000 |
| Total capital | 15,613,000 | 15,852,000 | 16,365,000 | 15,813,000 |
| Risk-weighted assets | 60,275,000 | 59,070,000 | 60,193,000 | 61,819,000 |