Call reports 2011
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2011
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 6,491,806,000 | 6,451,812,000 | 6,522,073,000 | 6,475,412,000 |
| Total loans | 3,601,946,000 | 3,533,938,000 | 3,460,667,000 | 3,482,602,000 |
| Allowance for loan losses | 101,067,000 | 96,895,000 | 95,528,000 | 93,964,000 |
| Securities available for sale | 2,017,528,000 | 1,978,997,000 | 2,167,159,000 | 2,201,526,000 |
| Securities held to maturity | 3,039,000 | 2,814,000 | 2,574,000 | 2,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,500,606,000 | 4,524,183,000 | 4,602,459,000 | 4,625,602,000 |
| Interest-bearing deposits | 2,682,231,000 | 2,629,129,000 | 2,624,885,000 | 2,597,492,000 |
| Noninterest-bearing deposits | 1,818,375,000 | 1,895,054,000 | 1,977,574,000 | 2,028,110,000 |
| Equity capital | 762,248,000 | 786,197,000 | 803,316,000 | 808,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 66,510,000 | 137,695,000 | 206,225,000 | 269,721,000 |
| Interest expense | 8,559,000 | 16,499,000 | 24,225,000 | 31,669,000 |
| Net interest income | 57,951,000 | 121,196,000 | 182,000,000 | 238,052,000 |
| Noninterest income | 12,416,000 | 20,933,000 | 32,455,000 | 44,252,000 |
| Noninterest expense | 36,533,000 | 72,653,000 | 107,042,000 | 141,669,000 |
| Provision for loan losses | 7,068,000 | 7,068,000 | 7,068,000 | 7,068,000 |
| Pretax income | 26,766,000 | 62,289,000 | 99,799,000 | 132,911,000 |
| Income tax | 8,397,000 | 20,397,000 | 33,858,000 | 44,161,000 |
| Net income | 18,369,000 | 41,892,000 | 65,941,000 | 88,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 689,217,000 | 697,606,000 | 701,518,000 | 705,273,000 |
| Total capital | 740,780,000 | 749,190,000 | 752,625,000 | 756,702,000 |
| Risk-weighted assets | 4,063,533,000 | 4,070,191,000 | 4,034,534,000 | 4,062,237,000 |