Call reports 2020
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2020
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 11,602,971,000 | 13,746,731,000 | 13,813,407,000 | 14,413,422,000 |
| Total loans | 7,466,152,000 | 8,402,534,000 | 8,407,872,000 | 8,348,808,000 |
| Allowance for loan losses | 82,641,000 | 93,983,000 | 93,869,000 | 93,692,000 |
| Securities available for sale | 1,679,056,000 | 1,675,288,000 | 2,204,833,000 | 2,398,034,000 |
| Securities held to maturity | 642,255,000 | 613,169,000 | 577,694,000 | 578,626,000 |
| Trading assets | 699,000 | 779,000 | 813,000 | 889,000 |
| Total deposits | 9,152,078,000 | 11,013,806,000 | 11,203,756,000 | 11,792,145,000 |
| Interest-bearing deposits | 3,541,650,000 | 4,106,973,000 | 4,280,127,000 | 4,332,386,000 |
| Noninterest-bearing deposits | 5,610,428,000 | 6,906,832,000 | 6,923,629,000 | 7,459,759,000 |
| Equity capital | 1,949,548,000 | 1,967,450,000 | 1,984,759,000 | 1,990,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 107,109,000 | 215,067,000 | 321,693,000 | 430,337,000 |
| Interest expense | 4,608,000 | 7,863,000 | 11,057,000 | 13,749,000 |
| Net interest income | 102,501,000 | 207,204,000 | 310,636,000 | 416,588,000 |
| Noninterest income | 11,318,000 | 23,556,000 | 36,006,000 | 48,890,000 |
| Noninterest expense | 46,625,000 | 91,679,000 | 138,927,000 | 185,673,000 |
| Provision for loan losses | 12,000,000 | 23,500,000 | 23,500,000 | 23,500,000 |
| Pretax income | 55,306,000 | 115,794,000 | 184,428,000 | 256,484,000 |
| Income tax | 15,917,000 | 33,601,000 | 53,515,000 | 74,420,000 |
| Net income | 39,389,000 | 82,193,000 | 130,913,000 | 182,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,220,637,000 | 1,241,268,000 | 1,261,707,000 | 1,269,492,000 |
| Total capital | 1,312,278,000 | 1,344,251,000 | 1,364,576,000 | 1,372,184,000 |
| Risk-weighted assets | 8,577,258,000 | 8,515,941,000 | 8,617,643,000 | 8,710,607,000 |