Call reports 2004
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2004
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 4,001,184,000 | 4,356,076,000 | 4,345,507,000 | 4,496,816,000 |
| Total loans | 1,814,840,000 | 1,941,308,000 | 2,012,222,000 | 2,142,408,000 |
| Allowance for loan losses | 22,005,000 | 22,140,000 | 23,068,000 | 22,494,000 |
| Securities available for sale | 1,901,956,000 | 2,011,204,000 | 2,037,775,000 | 2,084,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 58,340,000 | 0 | 0 |
| Total deposits | 2,707,478,000 | 2,843,345,000 | 2,885,224,000 | 2,893,770,000 |
| Interest-bearing deposits | 1,553,066,000 | 1,551,770,000 | 1,581,525,000 | 1,570,625,000 |
| Noninterest-bearing deposits | 1,154,411,000 | 1,291,575,000 | 1,303,699,000 | 1,323,144,000 |
| Equity capital | 370,788,000 | 351,856,000 | 376,060,000 | 379,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 46,009,000 | 92,518,000 | 144,597,000 | 197,489,000 |
| Interest expense | 9,060,000 | 18,280,000 | 28,988,000 | 41,221,000 |
| Net interest income | 36,949,000 | 74,238,000 | 115,609,000 | 156,268,000 |
| Noninterest income | 8,767,000 | 18,214,000 | 27,345,000 | 36,577,000 |
| Noninterest expense | 23,059,000 | 45,573,000 | 68,786,000 | 95,512,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,357,000 | 44,901,000 | 72,189,000 | 95,355,000 |
| Income tax | 5,406,000 | 15,553,000 | 24,870,000 | 30,400,000 |
| Net income | 10,951,000 | 29,348,000 | 47,319,000 | 64,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 320,138,000 | 328,084,000 | 333,261,000 | 341,174,000 |
| Total capital | 343,876,000 | 351,957,000 | 358,062,000 | 365,401,000 |
| Risk-weighted assets | 2,501,080,000 | 2,749,580,000 | 2,807,979,000 | 2,872,150,000 |
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