Call reports 2008
CITIZENS BANK OF PENNSYLVANIA — 2008
What CITIZENS BANK OF PENNSYLVANIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 37,014,168,000 | 38,174,843,000 | 35,619,036,000 | 34,712,685,000 |
| Total loans | 19,211,435,000 | 19,234,368,000 | 19,279,034,000 | 18,955,297,000 |
| Allowance for loan losses | 174,242,000 | 193,953,000 | 227,654,000 | 248,218,000 |
| Securities available for sale | 8,303,732,000 | 7,366,152,000 | 7,244,605,000 | 6,757,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 162,867,000 | 94,961,000 | 97,276,000 | 314,787,000 |
| Total deposits | 24,549,970,000 | 24,052,190,000 | 22,480,396,000 | 22,916,591,000 |
| Interest-bearing deposits | 23,200,782,000 | 22,099,604,000 | 20,983,256,000 | 21,536,601,000 |
| Noninterest-bearing deposits | 1,349,188,000 | 1,952,586,000 | 1,497,140,000 | 1,379,990,000 |
| Equity capital | 4,489,209,000 | 4,516,482,000 | 4,551,982,000 | 4,276,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 428,830,000 | 798,876,000 | 1,148,284,000 | 1,486,542,000 |
| Interest expense | 244,876,000 | 425,347,000 | 582,834,000 | 743,127,000 |
| Net interest income | 183,954,000 | 373,529,000 | 565,450,000 | 743,415,000 |
| Noninterest income | 74,870,000 | 150,414,000 | 228,177,000 | 305,573,000 |
| Noninterest expense | 166,827,000 | 328,448,000 | 493,960,000 | 923,877,000 |
| Provision for loan losses | 51,734,000 | 98,373,000 | 161,449,000 | 238,836,000 |
| Pretax income | 44,466,000 | 101,318,000 | 142,494,000 | -109,416,000 |
| Income tax | 15,023,000 | 34,171,000 | 46,583,000 | -17,216,000 |
| Net income | 29,443,000 | 67,147,000 | 95,911,000 | -92,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,299,474,000 | 2,349,352,000 | 2,391,773,000 | 2,479,166,000 |
| Total capital | 2,514,079,000 | 2,582,529,000 | 2,657,693,000 | 2,767,159,000 |
| Risk-weighted assets | 23,055,349,000 | 23,600,571,000 | 23,108,845,000 | 23,117,474,000 |