Call reports 2023
CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION — 2023
What CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 16,271,462,000 | 16,480,769,000 | 15,902,022,000 | 16,027,043,000 |
| Total loans | 8,942,489,000 | 8,907,397,000 | 8,877,632,000 | 8,904,910,000 |
| Allowance for loan losses | 86,540,000 | 86,967,000 | 88,995,000 | 86,842,000 |
| Securities available for sale | 3,203,445,000 | 3,067,046,000 | 2,872,044,000 | 2,954,929,000 |
| Securities held to maturity | 2,535,979,000 | 2,512,707,000 | 2,489,441,000 | 2,464,610,000 |
| Trading assets | 1,079,000 | 1,105,000 | 1,119,000 | 1,196,000 |
| Total deposits | 12,305,990,000 | 12,431,655,000 | 12,392,447,000 | 11,484,334,000 |
| Interest-bearing deposits | 4,461,286,000 | 4,552,835,000 | 4,805,565,000 | 4,277,765,000 |
| Noninterest-bearing deposits | 7,844,704,000 | 7,878,820,000 | 7,586,882,000 | 7,206,569,000 |
| Equity capital | 1,977,017,000 | 1,987,427,000 | 1,936,392,000 | 2,061,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 142,786,000 | 292,025,000 | 448,252,000 | 606,330,000 |
| Interest expense | 17,060,000 | 46,765,000 | 79,623,000 | 118,347,000 |
| Net interest income | 125,726,000 | 245,260,000 | 368,629,000 | 487,983,000 |
| Noninterest income | 12,463,000 | 25,332,000 | 40,100,000 | 58,593,000 |
| Noninterest expense | 52,423,000 | 104,042,000 | 158,095,000 | 222,492,000 |
| Provision for loan losses | 1,500,000 | 2,000,000 | 4,000,000 | 2,000,000 |
| Pretax income | 84,503,000 | 164,150,000 | 246,675,000 | 323,290,000 |
| Income tax | 23,856,000 | 46,344,000 | 69,642,000 | 96,358,000 |
| Net income | 60,647,000 | 117,806,000 | 177,033,000 | 226,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,526,293,000 | 1,556,770,000 | 1,587,362,000 | 1,610,514,000 |
| Total capital | 1,621,333,000 | 1,652,637,000 | 1,684,357,000 | 1,704,856,000 |
| Risk-weighted assets | 11,153,491,000 | 11,163,429,000 | 11,141,997,000 | 11,111,176,000 |