Call reports 2016
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2016
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 7,914,777,000 | 8,305,664,000 | 8,038,664,000 | 8,066,699,000 |
| Total loans | 4,173,409,000 | 4,237,928,000 | 4,295,167,000 | 4,395,064,000 |
| Allowance for loan losses | 59,336,000 | 60,938,000 | 61,001,000 | 61,540,000 |
| Securities available for sale | 2,294,659,000 | 2,248,032,000 | 2,227,551,000 | 2,269,960,000 |
| Securities held to maturity | 812,893,000 | 724,357,000 | 878,953,000 | 911,676,000 |
| Trading assets | 0 | 0 | 0 | 506,000 |
| Total deposits | 6,233,035,000 | 6,604,108,000 | 6,339,311,000 | 6,327,427,000 |
| Interest-bearing deposits | 2,877,826,000 | 2,933,395,000 | 2,676,830,000 | 2,649,046,000 |
| Noninterest-bearing deposits | 3,355,209,000 | 3,670,713,000 | 3,662,481,000 | 3,678,380,000 |
| Equity capital | 988,498,000 | 1,006,027,000 | 1,017,797,000 | 1,005,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 64,500,000 | 132,515,000 | 197,686,000 | 265,050,000 |
| Interest expense | 1,862,000 | 3,791,000 | 5,667,000 | 7,444,000 |
| Net interest income | 62,638,000 | 128,724,000 | 192,019,000 | 257,606,000 |
| Noninterest income | 8,492,000 | 17,722,000 | 26,411,000 | 34,877,000 |
| Noninterest expense | 33,289,000 | 66,657,000 | 98,486,000 | 132,377,000 |
| Provision for loan losses | 0 | 0 | -2,000,000 | -6,400,000 |
| Pretax income | 37,841,000 | 79,789,000 | 122,492,000 | 167,054,000 |
| Income tax | 13,867,000 | 29,631,000 | 46,095,000 | 62,862,000 |
| Net income | 23,974,000 | 50,158,000 | 76,397,000 | 104,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 860,514,000 | 873,874,000 | 888,289,000 | 904,236,000 |
| Total capital | 925,332,000 | 938,819,000 | 954,129,000 | 971,681,000 |
| Risk-weighted assets | 5,183,553,000 | 5,192,186,000 | 5,264,682,000 | 5,394,705,000 |