Call reports 2015
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2015
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 7,436,423,000 | 7,690,613,000 | 7,619,826,000 | 7,664,519,000 |
| Total loans | 3,716,023,000 | 3,784,219,000 | 3,822,171,000 | 4,016,937,000 |
| Allowance for loan losses | 60,709,000 | 59,554,000 | 59,149,000 | 59,156,000 |
| Securities available for sale | 3,028,289,000 | 3,154,217,000 | 2,312,721,000 | 2,368,646,000 |
| Securities held to maturity | 1,464,000 | 1,400,000 | 869,650,000 | 850,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,914,255,000 | 6,011,480,000 | 5,976,410,000 | 5,934,220,000 |
| Interest-bearing deposits | 2,783,736,000 | 2,756,863,000 | 2,667,860,000 | 2,680,572,000 |
| Noninterest-bearing deposits | 3,130,519,000 | 3,254,617,000 | 3,308,551,000 | 3,253,648,000 |
| Equity capital | 913,281,000 | 908,884,000 | 936,433,000 | 939,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 64,180,000 | 128,695,000 | 196,426,000 | 261,513,000 |
| Interest expense | 3,068,000 | 4,718,000 | 6,425,000 | 8,139,000 |
| Net interest income | 61,112,000 | 123,977,000 | 190,001,000 | 253,374,000 |
| Noninterest income | 8,312,000 | 16,861,000 | 25,249,000 | 33,979,000 |
| Noninterest expense | 43,636,000 | 73,904,000 | 105,292,000 | 136,193,000 |
| Provision for loan losses | 0 | -2,000,000 | -4,500,000 | -5,600,000 |
| Pretax income | 25,788,000 | 68,934,000 | 114,436,000 | 156,738,000 |
| Income tax | 9,236,000 | 24,656,000 | 41,453,000 | 54,479,000 |
| Net income | 16,552,000 | 44,278,000 | 72,983,000 | 102,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 794,791,000 | 809,612,000 | 826,406,000 | 842,854,000 |
| Total capital | 852,736,000 | 869,193,000 | 886,462,000 | 905,563,000 |
| Risk-weighted assets | 4,625,758,000 | 4,759,338,000 | 4,798,256,000 | 5,013,164,000 |