Call reports 2020
CITIZENS BANK, NATIONAL ASSOCIATION — 2020
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 176,632,580,000 | 179,841,224,000 | 179,163,146,000 | 183,365,970,000 |
| Total loans | 130,844,303,000 | 131,254,637,000 | 128,615,149,000 | 128,081,219,000 |
| Allowance for loan losses | 2,171,408,000 | 2,447,575,000 | 2,541,935,000 | 2,442,978,000 |
| Securities available for sale | 22,307,135,000 | 22,143,732,000 | 22,884,385,000 | 22,942,361,000 |
| Securities held to maturity | 3,071,431,000 | 2,855,502,000 | 2,577,533,000 | 3,234,551,000 |
| Trading assets | 2,066,859,000 | 2,077,865,000 | 1,975,219,000 | 1,857,603,000 |
| Total deposits | 134,518,302,000 | 145,790,405,000 | 145,054,494,000 | 149,895,406,000 |
| Interest-bearing deposits | 101,411,613,000 | 104,449,851,000 | 103,008,179,000 | 105,172,119,000 |
| Noninterest-bearing deposits | 33,106,689,000 | 41,340,554,000 | 42,046,315,000 | 44,723,287,000 |
| Equity capital | 21,872,254,000 | 22,127,368,000 | 22,073,640,000 | 22,163,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,479,379,000 | 2,831,067,000 | 4,112,866,000 | 5,363,922,000 |
| Interest expense | 304,793,000 | 475,408,000 | 593,762,000 | 691,963,000 |
| Net interest income | 1,174,586,000 | 2,355,659,000 | 3,519,104,000 | 4,671,959,000 |
| Noninterest income | 468,897,000 | 1,021,151,000 | 1,641,236,000 | 2,174,411,000 |
| Noninterest expense | 993,318,000 | 2,005,964,000 | 3,082,135,000 | 4,111,445,000 |
| Provision for loan losses | 603,746,000 | 1,027,489,000 | 1,340,289,000 | 1,431,089,000 |
| Pretax income | 46,419,000 | 346,442,000 | 742,361,000 | 1,308,288,000 |
| Income tax | 10,756,000 | 63,742,000 | 127,969,000 | 238,456,000 |
| Net income | 35,663,000 | 282,700,000 | 614,392,000 | 1,069,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,471,428,000 | 15,806,286,000 | 15,889,983,000 | 16,031,289,000 |
| Total capital | 18,101,634,000 | 18,756,887,000 | 18,830,755,000 | 18,979,515,000 |
| Risk-weighted assets | 148,602,867,000 | 147,067,204,000 | 145,787,604,000 | 146,557,846,000 |