Call reports 2019
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2019
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 11,304,104,000 | 11,170,123,000 | 11,330,311,000 | 11,279,433,000 |
| Total loans | 7,606,864,000 | 7,535,690,000 | 7,494,451,000 | 7,564,577,000 |
| Allowance for loan losses | 65,201,000 | 67,132,000 | 68,672,000 | 68,660,000 |
| Securities available for sale | 1,672,714,000 | 1,599,211,000 | 1,569,574,000 | 1,739,377,000 |
| Securities held to maturity | 733,464,000 | 728,113,000 | 703,953,000 | 674,452,000 |
| Trading assets | 787,000 | 809,000 | 832,000 | 880,000 |
| Total deposits | 8,684,079,000 | 8,695,049,000 | 8,825,368,000 | 8,735,983,000 |
| Interest-bearing deposits | 3,584,716,000 | 3,442,532,000 | 3,439,681,000 | 3,489,127,000 |
| Noninterest-bearing deposits | 5,099,362,000 | 5,252,517,000 | 5,385,688,000 | 5,246,856,000 |
| Equity capital | 1,903,247,000 | 1,946,554,000 | 1,976,363,000 | 2,003,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 115,284,000 | 232,068,000 | 345,631,000 | 457,850,000 |
| Interest expense | 5,484,000 | 10,959,000 | 16,123,000 | 21,102,000 |
| Net interest income | 109,800,000 | 221,109,000 | 329,508,000 | 436,748,000 |
| Noninterest income | 16,333,000 | 34,476,000 | 46,239,000 | 58,864,000 |
| Noninterest expense | 50,254,000 | 99,410,000 | 144,831,000 | 191,936,000 |
| Provision for loan losses | 1,500,000 | 3,500,000 | 5,000,000 | 5,000,000 |
| Pretax income | 74,379,000 | 152,675,000 | 225,921,000 | 298,681,000 |
| Income tax | 21,579,000 | 44,294,000 | 65,548,000 | 85,496,000 |
| Net income | 52,800,000 | 108,381,000 | 160,373,000 | 213,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,208,303,000 | 1,241,987,000 | 1,269,953,000 | 1,298,745,000 |
| Total capital | 1,282,463,000 | 1,318,078,000 | 1,347,584,000 | 1,376,364,000 |
| Risk-weighted assets | 8,691,146,000 | 8,645,917,000 | 8,609,720,000 | 8,693,392,000 |