Call reports 2013
CITIZENS BANK, NATIONAL ASSOCIATION — 2013
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 105,114,761,000 | 99,365,520,000 | 98,282,921,000 | 94,716,980,000 |
| Total loans | 72,414,935,000 | 71,727,591,000 | 71,603,701,000 | 72,106,981,000 |
| Allowance for loan losses | 1,013,316,000 | 1,006,256,000 | 1,027,744,000 | 1,022,215,000 |
| Securities available for sale | 9,616,059,000 | 10,134,425,000 | 10,236,964,000 | 8,623,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,480,402,000 |
| Trading assets | 809,865,000 | 610,993,000 | 585,600,000 | 512,333,000 |
| Total deposits | 77,843,361,000 | 75,918,962,000 | 76,702,795,000 | 70,904,149,000 |
| Interest-bearing deposits | 55,368,083,000 | 52,671,071,000 | 54,301,189,000 | 49,267,271,000 |
| Noninterest-bearing deposits | 22,475,278,000 | 23,247,891,000 | 22,401,606,000 | 21,636,878,000 |
| Equity capital | 18,940,039,000 | 15,248,428,000 | 15,389,196,000 | 15,449,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 729,671,000 | 1,449,806,000 | 2,170,001,000 | 2,873,496,000 |
| Interest expense | 103,569,000 | 203,317,000 | 289,439,000 | 364,228,000 |
| Net interest income | 626,102,000 | 1,246,489,000 | 1,880,562,000 | 2,509,268,000 |
| Noninterest income | 318,069,000 | 646,032,000 | 937,802,000 | 1,227,520,000 |
| Noninterest expense | 636,972,000 | 4,944,606,000 | 5,563,024,000 | 6,219,218,000 |
| Provision for loan losses | 86,534,000 | 190,733,000 | 330,501,000 | 442,142,000 |
| Pretax income | 246,041,000 | -3,200,866,000 | -3,022,041,000 | -2,857,102,000 |
| Income tax | 85,506,000 | 37,560,000 | 100,739,000 | 142,542,000 |
| Net income | 160,535,000 | -3,238,426,000 | -3,122,780,000 | -2,999,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,146,338,000 | 10,221,557,000 | 10,342,801,000 | 10,401,239,000 |
| Total capital | 11,412,735,000 | 11,472,462,000 | 11,602,428,000 | 11,666,028,000 |
| Risk-weighted assets | 80,473,795,000 | 79,225,588,000 | 79,912,900,000 | 80,333,106,000 |