Call reports 2014
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2014
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 6,897,221,000 | 7,417,773,000 | 7,416,972,000 | 7,372,382,000 |
| Total loans | 3,402,872,000 | 3,620,927,000 | 3,706,236,000 | 3,817,067,000 |
| Allowance for loan losses | 68,725,000 | 60,974,000 | 59,582,000 | 59,825,000 |
| Securities available for sale | 2,750,063,000 | 3,017,490,000 | 3,160,056,000 | 3,137,158,000 |
| Securities held to maturity | 1,730,000 | 1,650,000 | 1,598,000 | 1,528,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,125,469,000 | 5,643,345,000 | 5,772,985,000 | 5,618,190,000 |
| Interest-bearing deposits | 2,429,643,000 | 2,679,105,000 | 2,734,555,000 | 2,750,651,000 |
| Noninterest-bearing deposits | 2,695,827,000 | 2,964,239,000 | 3,038,430,000 | 2,867,539,000 |
| Equity capital | 826,304,000 | 857,851,000 | 867,101,000 | 895,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 61,062,000 | 122,278,000 | 187,573,000 | 252,903,000 |
| Interest expense | 4,016,000 | 7,972,000 | 11,927,000 | 15,978,000 |
| Net interest income | 57,046,000 | 114,306,000 | 175,646,000 | 236,925,000 |
| Noninterest income | 11,612,000 | 18,935,000 | 27,210,000 | 37,402,000 |
| Noninterest expense | 29,958,000 | 59,844,000 | 91,099,000 | 122,285,000 |
| Provision for loan losses | -7,500,000 | -15,100,000 | -16,100,000 | -16,100,000 |
| Pretax income | 46,200,000 | 88,497,000 | 127,857,000 | 168,142,000 |
| Income tax | 16,718,000 | 32,481,000 | 46,622,000 | 61,023,000 |
| Net income | 29,482,000 | 56,016,000 | 81,235,000 | 107,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 763,990,000 | 755,950,000 | 771,165,000 | 787,439,000 |
| Total capital | 815,105,000 | 811,072,000 | 827,585,000 | 845,951,000 |
| Risk-weighted assets | 4,062,468,000 | 4,394,849,000 | 4,502,568,000 | 4,671,972,000 |
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