Call reports 2017
CITIZENS BANK, NATIONAL ASSOCIATION — 2017
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 118,240,305,000 | 120,137,787,000 | 120,724,694,000 | 121,995,997,000 |
| Total loans | 88,545,466,000 | 89,728,930,000 | 92,067,893,000 | 92,342,654,000 |
| Allowance for loan losses | 1,005,655,000 | 996,224,000 | 1,002,051,000 | 1,011,620,000 |
| Securities available for sale | 13,079,348,000 | 12,580,909,000 | 13,297,158,000 | 13,192,435,000 |
| Securities held to maturity | 2,073,082,000 | 2,148,622,000 | 2,095,414,000 | 2,043,697,000 |
| Trading assets | 354,501,000 | 461,982,000 | 662,359,000 | 709,487,000 |
| Total deposits | 84,517,728,000 | 87,914,988,000 | 87,841,964,000 | 89,182,594,000 |
| Interest-bearing deposits | 60,591,772,000 | 64,070,470,000 | 63,160,910,000 | 65,232,457,000 |
| Noninterest-bearing deposits | 23,925,956,000 | 23,844,518,000 | 24,681,054,000 | 23,950,137,000 |
| Equity capital | 16,437,701,000 | 16,600,197,000 | 16,681,325,000 | 16,956,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 923,058,000 | 1,886,321,000 | 2,896,706,000 | 3,939,299,000 |
| Interest expense | 112,958,000 | 250,411,000 | 406,860,000 | 574,960,000 |
| Net interest income | 810,100,000 | 1,635,910,000 | 2,489,846,000 | 3,364,339,000 |
| Noninterest income | 296,600,000 | 588,493,000 | 885,426,000 | 1,205,474,000 |
| Noninterest expense | 697,535,000 | 1,377,270,000 | 2,045,522,000 | 2,739,992,000 |
| Provision for loan losses | 58,185,000 | 114,734,000 | 179,956,000 | 260,984,000 |
| Pretax income | 352,483,000 | 733,090,000 | 1,150,256,000 | 1,570,152,000 |
| Income tax | 84,425,000 | 199,815,000 | 329,907,000 | 188,583,000 |
| Net income | 268,058,000 | 533,275,000 | 820,349,000 | 1,381,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,364,353,000 | 11,462,446,000 | 11,538,855,000 | 11,918,175,000 |
| Total capital | 13,576,128,000 | 13,664,803,000 | 13,744,636,000 | 14,128,442,000 |
| Risk-weighted assets | 100,614,162,000 | 102,109,254,000 | 104,164,909,000 | 104,766,435,000 |