Call reports 2012
CITIZENS BANK, NATIONAL ASSOCIATION — 2012
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 106,242,373,000 | 106,894,242,000 | 107,214,881,000 | 104,823,994,000 |
| Total loans | 73,644,046,000 | 73,817,415,000 | 73,466,996,000 | 73,761,030,000 |
| Allowance for loan losses | 1,339,626,000 | 1,244,192,000 | 1,121,499,000 | 1,035,634,000 |
| Securities available for sale | 13,201,942,000 | 12,473,729,000 | 10,373,672,000 | 9,194,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 956,775,000 | 1,012,332,000 | 997,997,000 | 918,009,000 |
| Total deposits | 75,126,845,000 | 75,499,381,000 | 77,531,739,000 | 79,533,016,000 |
| Interest-bearing deposits | 54,564,743,000 | 54,853,698,000 | 55,468,890,000 | 56,133,043,000 |
| Noninterest-bearing deposits | 20,562,102,000 | 20,645,683,000 | 22,062,849,000 | 23,399,973,000 |
| Equity capital | 18,284,507,000 | 18,528,084,000 | 18,759,880,000 | 18,774,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 829,572,000 | 1,629,878,000 | 2,414,449,000 | 3,162,843,000 |
| Interest expense | 149,801,000 | 268,387,000 | 383,095,000 | 493,587,000 |
| Net interest income | 679,771,000 | 1,361,491,000 | 2,031,354,000 | 2,669,256,000 |
| Noninterest income | 322,687,000 | 626,359,000 | 932,842,000 | 1,241,819,000 |
| Noninterest expense | 763,809,000 | 1,384,661,000 | 2,012,499,000 | 2,746,377,000 |
| Provision for loan losses | 70,157,000 | 186,884,000 | 291,927,000 | 380,494,000 |
| Pretax income | 164,309,000 | 504,466,000 | 770,236,000 | 896,810,000 |
| Income tax | 81,951,000 | 208,722,000 | 304,907,000 | 336,375,000 |
| Net income | 82,358,000 | 295,744,000 | 465,329,000 | 560,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,558,744,000 | 9,784,025,000 | 9,955,897,000 | 9,980,956,000 |
| Total capital | 10,682,171,000 | 11,075,881,000 | 11,232,569,000 | 11,259,429,000 |
| Risk-weighted assets | 81,207,887,000 | 82,253,635,000 | 81,199,517,000 | 81,430,362,000 |