Call reports 2006
CITIZENS BANK, NATIONAL ASSOCIATION — 2006
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 17,035,776,000 | 17,075,982,000 | 16,743,850,000 | 17,125,177,000 |
| Total loans | 10,382,469,000 | 10,409,168,000 | 10,256,960,000 | 10,031,570,000 |
| Allowance for loan losses | 72,524,000 | 69,118,000 | 70,924,000 | 75,925,000 |
| Securities available for sale | 3,167,110,000 | 3,116,726,000 | 3,098,277,000 | 2,825,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,335,000 | 9,908,000 | 9,130,000 | 10,952,000 |
| Total deposits | 11,261,771,000 | 10,912,482,000 | 10,796,535,000 | 11,398,712,000 |
| Interest-bearing deposits | 9,841,861,000 | 9,370,343,000 | 9,398,336,000 | 10,802,582,000 |
| Noninterest-bearing deposits | 1,419,910,000 | 1,542,139,000 | 1,398,199,000 | 596,130,000 |
| Equity capital | 3,605,972,000 | 3,623,041,000 | 3,684,985,000 | 3,698,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 190,940,000 | 390,418,000 | 597,253,000 | 802,888,000 |
| Interest expense | 100,440,000 | 208,931,000 | 323,148,000 | 441,797,000 |
| Net interest income | 90,500,000 | 181,487,000 | 274,105,000 | 361,091,000 |
| Noninterest income | 24,514,000 | 56,268,000 | 93,754,000 | 125,686,000 |
| Noninterest expense | 72,857,000 | 145,717,000 | 212,807,000 | 283,963,000 |
| Provision for loan losses | 9,253,000 | 11,477,000 | 21,451,000 | 34,142,000 |
| Pretax income | 32,985,000 | 80,642,000 | 134,480,000 | 170,334,000 |
| Income tax | 11,699,000 | 28,500,000 | 47,758,000 | 60,591,000 |
| Net income | 21,286,000 | 52,142,000 | 86,722,000 | 109,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 955,985,000 | 991,584,000 | 1,030,787,000 | 1,057,651,000 |
| Total capital | 1,033,432,000 | 1,068,012,000 | 1,109,831,000 | 1,142,679,000 |
| Risk-weighted assets | 9,460,813,000 | 9,557,336,000 | 9,372,790,000 | 9,410,295,000 |