Call reports 2008
CITIZENS BANK — 2008
What CITIZENS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 12,538,893,000 | 12,372,252,000 | 12,318,853,000 | 12,266,600,000 |
| Total loans | 9,473,729,000 | 9,386,630,000 | 9,327,478,000 | 9,044,796,000 |
| Allowance for loan losses | 174,059,000 | 179,134,000 | 215,203,000 | 252,777,000 |
| Securities available for sale | 1,985,091,000 | 1,889,735,000 | 1,898,258,000 | 2,092,792,000 |
| Securities held to maturity | 112,321,000 | 116,321,000 | 116,762,000 | 115,757,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,170,921,000 | 8,609,605,000 | 8,924,376,000 | 8,907,742,000 |
| Interest-bearing deposits | 7,054,754,000 | 7,456,994,000 | 7,762,792,000 | 7,771,576,000 |
| Noninterest-bearing deposits | 1,116,167,000 | 1,152,611,000 | 1,161,584,000 | 1,136,165,000 |
| Equity capital | 1,164,434,000 | 1,097,800,000 | 1,091,290,000 | 1,128,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 183,798,000 | 355,053,000 | 523,832,000 | 688,372,000 |
| Interest expense | 91,299,000 | 170,781,000 | 249,427,000 | 325,668,000 |
| Net interest income | 92,499,000 | 184,272,000 | 274,405,000 | 362,704,000 |
| Noninterest income | 24,049,000 | 38,638,000 | 60,765,000 | 69,945,000 |
| Noninterest expense | 68,258,000 | 153,713,000 | 218,973,000 | 286,313,000 |
| Provision for loan losses | 29,892,000 | 104,089,000 | 162,692,000 | 280,804,000 |
| Pretax income | 18,398,000 | -34,892,000 | -46,495,000 | -134,468,000 |
| Income tax | 3,386,000 | -14,521,000 | -22,703,000 | 58,968,000 |
| Net income | 15,012,000 | -20,371,000 | -23,792,000 | -193,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,001,258,000 | 972,708,000 | 971,533,000 | 1,054,035,000 |
| Total capital | 1,128,153,000 | 1,098,625,000 | 1,096,658,000 | 1,177,172,000 |
| Risk-weighted assets | 10,099,274,000 | 10,015,117,000 | 9,915,702,000 | 9,717,460,000 |
Machine access — free, no API key
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