Call reports 2005
CITIZENS BANK, NATIONAL ASSOCIATION — 2005
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Total assets | 15,518,927,000 | 15,559,247,000 | 16,316,320,000 |
| Total loans | 9,269,527,000 | 9,564,574,000 | 9,838,114,000 |
| Allowance for loan losses | 83,493,000 | 76,240,000 | 70,615,000 |
| Securities available for sale | 2,620,285,000 | 2,769,522,000 | 3,207,259,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 3,516,000 |
| Total deposits | 9,917,793,000 | 10,493,282,000 | 11,034,727,000 |
| Interest-bearing deposits | 8,384,923,000 | 9,114,283,000 | 9,658,610,000 |
| Noninterest-bearing deposits | 1,532,870,000 | 1,378,999,000 | 1,376,117,000 |
| Equity capital | 3,517,861,000 | 3,542,795,000 | 3,563,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Interest income | 87,311,000 | 252,805,000 | 432,961,000 |
| Interest expense | 34,951,000 | 108,338,000 | 193,570,000 |
| Net interest income | 52,360,000 | 144,467,000 | 239,391,000 |
| Noninterest income | 13,459,000 | 41,176,000 | 72,210,000 |
| Noninterest expense | 31,978,000 | 99,662,000 | 171,162,000 |
| Provision for loan losses | 7,965,000 | 8,815,000 | 11,604,000 |
| Pretax income | 28,149,000 | 79,491,000 | 133,308,000 |
| Income tax | 9,843,000 | 27,761,000 | 47,663,000 |
| Net income | 18,306,000 | 51,730,000 | 85,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Tier 1 capital | 806,899,000 | 844,010,000 | 893,123,000 |
| Total capital | 890,392,000 | 920,250,000 | 965,799,000 |
| Risk-weighted assets | 7,563,969,000 | 8,706,040,000 | 8,779,457,000 |