Call reports 2011
CITIZENS BANK, NATIONAL ASSOCIATION — 2011
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 113,481,240,000 | 109,283,991,000 | 107,564,179,000 | 106,940,591,000 |
| Total loans | 77,313,671,000 | 73,957,411,000 | 73,306,526,000 | 73,654,413,000 |
| Allowance for loan losses | 1,711,680,000 | 1,646,794,000 | 1,585,568,000 | 1,448,900,000 |
| Securities available for sale | 14,306,382,000 | 13,659,993,000 | 12,581,015,000 | 13,510,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 781,859,000 | 854,517,000 | 1,076,465,000 | 1,042,168,000 |
| Total deposits | 72,909,842,000 | 74,363,981,000 | 75,757,686,000 | 74,057,899,000 |
| Interest-bearing deposits | 56,081,751,000 | 55,211,483,000 | 55,123,716,000 | 54,320,403,000 |
| Noninterest-bearing deposits | 16,828,091,000 | 19,152,498,000 | 20,633,970,000 | 19,737,496,000 |
| Equity capital | 17,037,783,000 | 17,934,688,000 | 18,095,352,000 | 18,111,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 888,171,000 | 1,769,692,000 | 2,652,715,000 | 3,484,319,000 |
| Interest expense | 261,663,000 | 452,400,000 | 626,766,000 | 794,964,000 |
| Net interest income | 626,508,000 | 1,317,292,000 | 2,025,949,000 | 2,689,355,000 |
| Noninterest income | 317,453,000 | 630,838,000 | 910,280,000 | 1,229,762,000 |
| Noninterest expense | 613,671,000 | 1,271,841,000 | 1,918,302,000 | 2,624,439,000 |
| Provision for loan losses | 255,708,000 | 441,041,000 | 649,968,000 | 815,736,000 |
| Pretax income | 101,304,000 | 279,421,000 | 430,969,000 | 558,689,000 |
| Income tax | 35,098,000 | 102,321,000 | 155,203,000 | 213,555,000 |
| Net income | 66,206,000 | 177,100,000 | 275,766,000 | 345,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,460,893,000 | 9,275,851,000 | 9,373,178,000 | 9,471,604,000 |
| Total capital | 10,408,937,000 | 10,448,870,000 | 10,536,687,000 | 10,601,749,000 |
| Risk-weighted assets | 80,219,722,000 | 80,682,215,000 | 79,986,634,000 | 80,993,599,000 |