Call reports 2010
CITIZENS BANK, NATIONAL ASSOCIATION — 2010
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 114,492,129,000 | 112,311,779,000 | 114,464,649,000 | 107,835,697,000 |
| Total loans | 77,860,878,000 | 76,228,448,000 | 77,551,874,000 | 76,431,666,000 |
| Allowance for loan losses | 1,893,985,000 | 1,792,542,000 | 1,803,547,000 | 1,730,326,000 |
| Securities available for sale | 18,477,975,000 | 17,974,354,000 | 14,018,122,000 | 13,844,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 888,984,000 | 1,106,369,000 | 1,230,299,000 | 875,937,000 |
| Total deposits | 71,723,568,000 | 71,284,887,000 | 73,031,098,000 | 69,811,623,000 |
| Interest-bearing deposits | 56,381,567,000 | 55,815,198,000 | 55,514,148,000 | 54,006,751,000 |
| Noninterest-bearing deposits | 15,342,001,000 | 15,469,689,000 | 17,516,950,000 | 15,804,872,000 |
| Equity capital | 16,664,799,000 | 16,678,372,000 | 16,812,688,000 | 16,915,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,063,033,000 | 2,103,293,000 | 3,099,121,000 | 4,007,755,000 |
| Interest expense | 361,224,000 | 697,179,000 | 967,894,000 | 1,250,584,000 |
| Net interest income | 701,809,000 | 1,406,114,000 | 2,131,227,000 | 2,757,171,000 |
| Noninterest income | 321,288,000 | 638,646,000 | 632,247,000 | 985,542,000 |
| Noninterest expense | 664,874,000 | 1,335,295,000 | 1,998,369,000 | 2,716,572,000 |
| Provision for loan losses | 479,365,000 | 862,153,000 | 1,179,608,000 | 1,468,340,000 |
| Pretax income | -93,786,000 | -105,899,000 | -102,868,000 | -113,973,000 |
| Income tax | -32,106,000 | -38,360,000 | -37,742,000 | -74,798,000 |
| Net income | -61,675,000 | -67,534,000 | -65,121,000 | -39,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,175,603,000 | 8,171,716,000 | 8,179,849,000 | 8,151,483,000 |
| Total capital | 10,301,026,000 | 10,182,522,000 | 10,180,331,000 | 10,095,633,000 |
| Risk-weighted assets | 82,412,988,000 | 81,007,294,000 | 80,156,962,000 | 79,230,622,000 |