Call reports 2018
CITIZENS BANK, NATIONAL ASSOCIATION — 2018
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 122,428,671,000 | 123,921,051,000 | 126,890,625,000 | 129,426,633,000 |
| Total loans | 93,609,958,000 | 95,427,697,000 | 97,535,201,000 | 99,758,791,000 |
| Allowance for loan losses | 1,030,438,000 | 1,047,262,000 | 1,045,072,000 | 1,059,624,000 |
| Securities available for sale | 12,315,914,000 | 11,754,423,000 | 11,191,812,000 | 11,099,938,000 |
| Securities held to maturity | 1,994,629,000 | 1,932,147,000 | 1,873,863,000 | 1,827,814,000 |
| Trading assets | 414,157,000 | 343,967,000 | 292,652,000 | 451,415,000 |
| Total deposits | 89,494,947,000 | 90,301,968,000 | 90,202,701,000 | 93,575,474,000 |
| Interest-bearing deposits | 65,667,581,000 | 66,137,161,000 | 65,056,856,000 | 68,746,810,000 |
| Noninterest-bearing deposits | 23,827,366,000 | 24,164,807,000 | 25,145,845,000 | 24,828,664,000 |
| Equity capital | 16,608,877,000 | 16,678,187,000 | 16,689,878,000 | 16,888,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,076,001,000 | 2,222,938,000 | 3,425,381,000 | 4,682,355,000 |
| Interest expense | 191,404,000 | 425,089,000 | 696,628,000 | 1,004,168,000 |
| Net interest income | 884,597,000 | 1,797,849,000 | 2,728,753,000 | 3,678,187,000 |
| Noninterest income | 285,078,000 | 595,322,000 | 919,899,000 | 1,244,685,000 |
| Noninterest expense | 692,106,000 | 1,384,499,000 | 2,109,340,000 | 2,878,347,000 |
| Provision for loan losses | 82,623,000 | 170,036,000 | 239,932,000 | 334,327,000 |
| Pretax income | 399,305,000 | 842,668,000 | 1,303,896,000 | 1,717,996,000 |
| Income tax | 86,467,000 | 181,772,000 | 281,211,000 | 332,469,000 |
| Net income | 312,838,000 | 660,896,000 | 1,022,685,000 | 1,385,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,789,866,000 | 11,900,303,000 | 11,889,350,000 | 11,994,323,000 |
| Total capital | 14,016,502,000 | 14,142,834,000 | 14,132,165,000 | 14,252,542,000 |
| Risk-weighted assets | 105,702,367,000 | 107,829,205,000 | 110,616,855,000 | 113,610,118,000 |