Call reports 2013
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2013
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 6,259,956,000 | 6,421,094,000 | 6,554,005,000 | 6,660,891,000 |
| Total loans | 3,368,208,000 | 3,343,658,000 | 3,444,686,000 | 3,549,898,000 |
| Allowance for loan losses | 92,218,000 | 85,457,000 | 80,713,000 | 75,235,000 |
| Securities available for sale | 2,390,673,000 | 2,431,581,000 | 2,617,307,000 | 2,663,642,000 |
| Securities held to maturity | 1,975,000 | 1,909,000 | 1,850,000 | 1,777,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,718,132,000 | 4,846,277,000 | 4,912,951,000 | 4,905,675,000 |
| Interest-bearing deposits | 2,354,387,000 | 2,331,527,000 | 2,367,676,000 | 2,334,679,000 |
| Noninterest-bearing deposits | 2,363,745,000 | 2,514,750,000 | 2,545,275,000 | 2,570,996,000 |
| Equity capital | 786,335,000 | 770,259,000 | 783,979,000 | 789,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 58,813,000 | 115,406,000 | 173,480,000 | 232,773,000 |
| Interest expense | 3,943,000 | 7,819,000 | 11,819,000 | 15,896,000 |
| Net interest income | 54,870,000 | 107,587,000 | 161,661,000 | 216,877,000 |
| Noninterest income | 4,826,000 | 12,762,000 | 17,996,000 | 23,767,000 |
| Noninterest expense | 29,806,000 | 57,220,000 | 86,355,000 | 114,278,000 |
| Provision for loan losses | 0 | -6,200,000 | -9,950,000 | -16,750,000 |
| Pretax income | 31,984,000 | 71,423,000 | 105,346,000 | 145,210,000 |
| Income tax | 9,530,000 | 23,809,000 | 35,257,000 | 49,060,000 |
| Net income | 22,454,000 | 47,614,000 | 70,089,000 | 96,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 692,504,000 | 708,100,000 | 721,703,000 | 741,386,000 |
| Total capital | 742,068,000 | 757,903,000 | 773,271,000 | 794,239,000 |
| Risk-weighted assets | 3,913,908,000 | 3,940,007,000 | 4,087,192,000 | 4,196,753,000 |