Call reports 2005
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2005
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 4,827,410,000 | 4,807,273,000 | 5,015,824,000 | 5,416,316,000 |
| Total loans | 2,186,348,000 | 2,298,456,000 | 2,377,540,000 | 2,663,863,000 |
| Allowance for loan losses | 23,932,000 | 24,127,000 | 24,237,000 | 23,204,000 |
| Securities available for sale | 2,269,957,000 | 2,143,037,000 | 2,254,448,000 | 2,369,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,036,237,000 | 3,006,289,000 | 3,225,818,000 | 3,433,111,000 |
| Interest-bearing deposits | 1,644,725,000 | 1,611,080,000 | 1,800,846,000 | 1,942,086,000 |
| Noninterest-bearing deposits | 1,391,513,000 | 1,395,209,000 | 1,424,972,000 | 1,491,025,000 |
| Equity capital | 385,154,000 | 402,121,000 | 402,875,000 | 408,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 56,110,000 | 116,158,000 | 179,719,000 | 248,618,000 |
| Interest expense | 13,789,000 | 30,321,000 | 49,493,000 | 72,215,000 |
| Net interest income | 42,321,000 | 85,837,000 | 130,226,000 | 176,403,000 |
| Noninterest income | 11,709,000 | 21,643,000 | 32,046,000 | 41,821,000 |
| Noninterest expense | 25,264,000 | 51,110,000 | 76,453,000 | 103,782,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 28,766,000 | 56,324,000 | 85,773,000 | 112,126,000 |
| Income tax | 10,324,000 | 19,666,000 | 29,972,000 | 38,909,000 |
| Net income | 18,442,000 | 36,658,000 | 55,801,000 | 73,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 349,844,000 | 353,523,000 | 366,834,000 | 376,839,000 |
| Total capital | 375,509,000 | 379,383,000 | 392,804,000 | 401,776,000 |
| Risk-weighted assets | 3,009,631,000 | 3,062,843,000 | 3,188,878,000 | 3,488,933,000 |
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