Call reports 2016
CITIZENS BANK, NATIONAL ASSOCIATION — 2016
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 109,313,488,000 | 112,992,135,000 | 114,604,518,000 | 116,939,799,000 |
| Total loans | 81,788,652,000 | 84,189,441,000 | 85,757,582,000 | 87,840,320,000 |
| Allowance for loan losses | 973,111,000 | 994,396,000 | 1,010,904,000 | 1,011,393,000 |
| Securities available for sale | 12,853,049,000 | 12,247,037,000 | 12,353,747,000 | 12,432,471,000 |
| Securities held to maturity | 1,680,006,000 | 1,655,018,000 | 2,127,722,000 | 2,069,715,000 |
| Trading assets | 684,751,000 | 766,672,000 | 662,059,000 | 555,803,000 |
| Total deposits | 76,674,527,000 | 77,711,847,000 | 79,707,596,000 | 82,423,844,000 |
| Interest-bearing deposits | 52,147,673,000 | 54,709,359,000 | 56,584,444,000 | 57,649,888,000 |
| Noninterest-bearing deposits | 24,526,854,000 | 23,002,488,000 | 23,123,152,000 | 24,773,956,000 |
| Equity capital | 16,313,441,000 | 16,518,385,000 | 16,605,100,000 | 16,340,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 801,250,000 | 1,622,166,000 | 2,470,014,000 | 3,368,478,000 |
| Interest expense | 79,385,000 | 166,705,000 | 262,258,000 | 358,725,000 |
| Net interest income | 721,865,000 | 1,455,461,000 | 2,207,756,000 | 3,009,753,000 |
| Noninterest income | 250,718,000 | 529,402,000 | 885,908,000 | 1,192,205,000 |
| Noninterest expense | 629,388,000 | 1,269,080,000 | 1,969,143,000 | 2,637,008,000 |
| Provision for loan losses | 46,690,000 | 119,509,000 | 188,958,000 | 268,806,000 |
| Pretax income | 296,615,000 | 591,240,000 | 928,356,000 | 1,291,980,000 |
| Income tax | 97,019,000 | 193,263,000 | 292,444,000 | 410,828,000 |
| Net income | 199,596,000 | 397,977,000 | 635,912,000 | 881,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,894,546,000 | 11,038,827,000 | 11,152,791,000 | 11,248,199,000 |
| Total capital | 13,259,223,000 | 13,428,304,000 | 13,345,209,000 | 13,442,841,000 |
| Risk-weighted assets | 93,286,682,000 | 96,031,916,000 | 98,173,395,000 | 100,491,040,000 |