Call reports 2014
CITIZENS BANK, NATIONAL ASSOCIATION — 2014
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 96,042,039,000 | 100,642,478,000 | 101,843,177,000 | 102,971,333,000 |
| Total loans | 72,504,375,000 | 72,655,153,000 | 73,754,734,000 | 75,853,439,000 |
| Allowance for loan losses | 1,060,134,000 | 994,803,000 | 985,158,000 | 981,690,000 |
| Securities available for sale | 9,277,302,000 | 12,092,231,000 | 12,564,301,000 | 12,773,802,000 |
| Securities held to maturity | 1,475,784,000 | 1,470,352,000 | 1,458,592,000 | 1,442,505,000 |
| Trading assets | 488,155,000 | 488,190,000 | 436,666,000 | 525,267,000 |
| Total deposits | 70,796,298,000 | 68,755,303,000 | 68,126,175,000 | 70,246,534,000 |
| Interest-bearing deposits | 48,925,816,000 | 46,311,826,000 | 47,813,586,000 | 49,088,456,000 |
| Noninterest-bearing deposits | 21,870,482,000 | 22,443,477,000 | 20,312,589,000 | 21,158,078,000 |
| Equity capital | 15,660,071,000 | 15,897,537,000 | 15,696,941,000 | 15,675,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 700,755,000 | 1,423,711,000 | 2,139,075,000 | 2,878,646,000 |
| Interest expense | 61,223,000 | 121,393,000 | 185,096,000 | 254,962,000 |
| Net interest income | 639,532,000 | 1,302,318,000 | 1,953,979,000 | 2,623,684,000 |
| Noninterest income | 275,618,000 | 841,007,000 | 1,110,473,000 | 1,383,147,000 |
| Noninterest expense | 618,563,000 | 1,351,729,000 | 1,952,068,000 | 2,561,317,000 |
| Provision for loan losses | 116,740,000 | 111,155,000 | 179,552,000 | 246,732,000 |
| Pretax income | 192,834,000 | 691,730,000 | 944,479,000 | 1,208,401,000 |
| Income tax | 55,731,000 | 229,493,000 | 308,656,000 | 388,483,000 |
| Net income | 137,103,000 | 462,237,000 | 635,823,000 | 819,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,495,306,000 | 10,613,538,000 | 10,476,100,000 | 10,406,210,000 |
| Total capital | 11,733,201,000 | 12,345,405,000 | 12,435,717,000 | 12,584,430,000 |
| Risk-weighted assets | 80,874,056,000 | 81,912,776,000 | 83,025,118,000 | 85,303,691,000 |