Call reports 2008
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2008
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION 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 | 6,368,212,000 | 6,444,904,000 | 6,415,384,000 | 6,648,313,000 |
| Total loans | 3,394,250,000 | 3,518,793,000 | 3,596,592,000 | 3,736,830,000 |
| Allowance for loan losses | 34,713,000 | 37,311,000 | 40,059,000 | 53,961,000 |
| Securities available for sale | 2,546,367,000 | 2,490,678,000 | 2,387,444,000 | 2,493,476,000 |
| Securities held to maturity | 7,638,000 | 7,380,000 | 7,121,000 | 6,867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,286,579,000 | 3,240,607,000 | 3,215,771,000 | 3,534,769,000 |
| Interest-bearing deposits | 2,066,372,000 | 1,957,099,000 | 1,911,882,000 | 2,193,673,000 |
| Noninterest-bearing deposits | 1,220,207,000 | 1,283,508,000 | 1,303,889,000 | 1,341,096,000 |
| Equity capital | 546,026,000 | 527,120,000 | 535,488,000 | 715,171,000 |
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 | 83,219,000 | 166,188,000 | 249,695,000 | 332,518,000 |
| Interest expense | 37,187,000 | 69,906,000 | 102,721,000 | 131,726,000 |
| Net interest income | 46,032,000 | 96,282,000 | 146,974,000 | 200,792,000 |
| Noninterest income | 10,765,000 | 22,259,000 | 33,466,000 | 45,700,000 |
| Noninterest expense | 30,451,000 | 62,916,000 | 94,038,000 | 124,253,000 |
| Provision for loan losses | 1,700,000 | 4,700,000 | 8,700,000 | 26,600,000 |
| Pretax income | 24,646,000 | 50,925,000 | 77,702,000 | 95,639,000 |
| Income tax | 7,027,000 | 14,722,000 | 22,620,000 | 26,835,000 |
| Net income | 17,047,000 | 35,631,000 | 54,510,000 | 68,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 454,444,000 | 464,926,000 | 484,703,000 | 620,323,000 |
| Total capital | 492,263,000 | 506,343,000 | 528,768,000 | 676,000,000 |
| Risk-weighted assets | 4,139,188,000 | 4,252,796,000 | 4,340,392,000 | 4,451,686,000 |
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