Call reports 2015
CITIZENS BANK, NATIONAL ASSOCIATION — 2015
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 105,988,463,000 | 106,947,600,000 | 104,923,760,000 | 108,064,717,000 |
| Total loans | 76,326,996,000 | 78,204,206,000 | 78,389,149,000 | 79,691,079,000 |
| Allowance for loan losses | 985,454,000 | 977,517,000 | 978,958,000 | 986,928,000 |
| Securities available for sale | 13,601,046,000 | 13,572,132,000 | 12,744,090,000 | 12,714,954,000 |
| Securities held to maturity | 1,500,245,000 | 1,760,768,000 | 1,618,126,000 | 1,709,307,000 |
| Trading assets | 606,806,000 | 510,377,000 | 601,247,000 | 478,453,000 |
| Total deposits | 72,189,586,000 | 73,339,236,000 | 73,944,180,000 | 76,456,860,000 |
| Interest-bearing deposits | 49,768,082,000 | 50,818,008,000 | 51,225,003,000 | 52,450,458,000 |
| Noninterest-bearing deposits | 22,421,504,000 | 22,521,228,000 | 22,719,177,000 | 24,006,402,000 |
| Equity capital | 15,907,849,000 | 15,946,005,000 | 16,171,412,000 | 16,043,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 734,837,000 | 1,483,723,000 | 2,248,956,000 | 3,028,608,000 |
| Interest expense | 72,593,000 | 148,214,000 | 224,669,000 | 301,993,000 |
| Net interest income | 662,244,000 | 1,335,509,000 | 2,024,287,000 | 2,726,615,000 |
| Noninterest income | 271,441,000 | 552,193,000 | 836,104,000 | 1,122,913,000 |
| Noninterest expense | 638,401,000 | 1,271,654,000 | 1,893,312,000 | 2,522,544,000 |
| Provision for loan losses | 47,846,000 | 97,514,000 | 153,090,000 | 218,498,000 |
| Pretax income | 253,013,000 | 530,923,000 | 828,564,000 | 1,131,016,000 |
| Income tax | 86,297,000 | 180,118,000 | 282,625,000 | 383,257,000 |
| Net income | 166,716,000 | 350,805,000 | 545,939,000 | 747,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,504,760,000 | 10,635,822,000 | 10,780,262,000 | 10,754,020,000 |
| Total capital | 12,704,151,000 | 12,827,106,000 | 12,975,222,000 | 13,131,837,000 |
| Risk-weighted assets | 87,690,031,000 | 89,876,904,000 | 89,577,139,000 | 91,624,817,000 |