Company: CFG-PE
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0000759944-25-000013
Chunk: 698

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-13
Form: 10-K
Item: Item 4
Chunk 698
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 77 6.51 1,499 102 6.75 (325)(24)Interest-earning assets198,072 10,186 5.10 201,686 10,204 5.02 (3,614)8Noninterest-earning assets20,952 20,535 417 Total assets$219,024 $222,221 ($3,197)Liabilities and Stockholders’ EquityChecking with interest$32,943 $491 1.49 %$33,960 $446 1.31 %($1,017)18Money market53,053 1,705 3.21 51,178 1,494 2.92 1,875 29Savings27,100 476 1.76 29,266 433 1.48 (2,166)28Time24,967 1,153 4.62 19,320 772 4.00 5,647 62Total interest-bearing deposits138,063 3,825 2.77 133,724 3,145 2.35 4,339 42Short-term borrowed funds252 15 5.73 746 43 5.70 (494)3Long-term borrowed funds13,831 713 5.15 15,853 775 4.86 (2,022)29Total borrowed funds14,083 728 5.16 16,599 818 4.89 (2,516)27Total interest-bearing liabilities152,146 4,553 2.99 150,323 3,963 2.63 1,823 36Noninterest-bearing demand deposits36,457 41,581 (5,124)Other noninterest-bearing liabilities6,466 6,711 (245)Total liabilities195,069 198,615 (3,546)Stockholders’ equity23,955 23,606 349 Total liabilities and stockholders’ equity$219,024 $222,221 ($3,197)Interest rate spread2.11 %2.39 %(28)Net interest income and net interest margin$5,633 2.84 %$6,241 3.09 %(25)Net interest income and net interest margin, FTE(2)$5,650