Call reports 2019
CITIZENS BANK, NATIONAL ASSOCIATION — 2019
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 161,403,353,000 | 163,025,478,000 | 164,652,403,000 | 165,742,416,000 |
| Total loans | 118,705,181,000 | 118,921,125,000 | 119,745,045,000 | 122,272,109,000 |
| Allowance for loan losses | 1,245,237,000 | 1,226,939,000 | 1,263,443,000 | 1,251,717,000 |
| Securities available for sale | 21,503,715,000 | 21,697,799,000 | 21,501,927,000 | 20,612,675,000 |
| Securities held to maturity | 3,345,471,000 | 3,446,670,000 | 3,319,196,000 | 3,201,718,000 |
| Trading assets | 626,998,000 | 940,581,000 | 1,168,561,000 | 954,800,000 |
| Total deposits | 125,070,862,000 | 125,246,311,000 | 126,282,687,000 | 126,691,001,000 |
| Interest-bearing deposits | 96,072,606,000 | 96,266,818,000 | 95,406,519,000 | 96,746,782,000 |
| Noninterest-bearing deposits | 28,998,256,000 | 28,979,493,000 | 30,876,168,000 | 29,944,219,000 |
| Equity capital | 20,995,479,000 | 21,454,089,000 | 21,689,108,000 | 21,972,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,571,097,000 | 3,153,234,000 | 4,692,484,000 | 6,195,294,000 |
| Interest expense | 401,473,000 | 807,319,000 | 1,189,634,000 | 1,536,255,000 |
| Net interest income | 1,169,624,000 | 2,345,915,000 | 3,502,850,000 | 4,659,039,000 |
| Noninterest income | 397,275,000 | 835,384,000 | 1,308,579,000 | 1,763,822,000 |
| Noninterest expense | 913,586,000 | 1,850,777,000 | 2,760,281,000 | 3,728,591,000 |
| Provision for loan losses | 91,486,000 | 180,056,000 | 329,263,000 | 439,252,000 |
| Pretax income | 568,944,000 | 1,161,708,000 | 1,735,113,000 | 2,272,491,000 |
| Income tax | 126,952,000 | 255,513,000 | 372,017,000 | 460,726,000 |
| Net income | 441,992,000 | 906,195,000 | 1,363,096,000 | 1,811,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,004,531,000 | 15,166,132,000 | 15,357,515,000 | 15,610,419,000 |
| Total capital | 17,458,983,000 | 17,610,715,000 | 17,696,395,000 | 17,937,584,000 |
| Risk-weighted assets | 137,050,075,000 | 138,568,608,000 | 139,848,825,000 | 142,554,627,000 |