Call reports 2021
CITIZENS BANK, NATIONAL ASSOCIATION — 2021
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 187,182,386,000 | 185,036,173,000 | 187,103,189,000 | 188,069,637,000 |
| Total loans | 127,613,063,000 | 126,247,269,000 | 126,609,978,000 | 131,631,131,000 |
| Allowance for loan losses | 2,193,926,000 | 1,947,098,000 | 1,855,212,000 | 1,758,391,000 |
| Securities available for sale | 24,466,614,000 | 24,583,025,000 | 24,910,557,000 | 26,066,771,000 |
| Securities held to maturity | 2,994,711,000 | 2,710,997,000 | 2,491,916,000 | 2,242,301,000 |
| Trading assets | 1,358,538,000 | 1,642,406,000 | 1,767,720,000 | 1,233,386,000 |
| Total deposits | 154,072,832,000 | 153,410,421,000 | 154,826,311,000 | 156,829,177,000 |
| Interest-bearing deposits | 107,053,629,000 | 104,894,217,000 | 105,476,691,000 | 106,400,671,000 |
| Noninterest-bearing deposits | 47,019,203,000 | 48,516,204,000 | 49,349,620,000 | 50,428,506,000 |
| Equity capital | 22,119,709,000 | 22,498,327,000 | 22,636,175,000 | 22,741,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,217,672,000 | 2,429,455,000 | 3,652,855,000 | 4,855,721,000 |
| Interest expense | 76,522,000 | 140,926,000 | 198,386,000 | 253,787,000 |
| Net interest income | 1,141,150,000 | 2,288,529,000 | 3,454,469,000 | 4,601,934,000 |
| Noninterest income | 496,068,000 | 940,002,000 | 1,415,298,000 | 1,902,589,000 |
| Noninterest expense | 1,002,766,000 | 1,976,451,000 | 2,965,519,000 | 3,970,749,000 |
| Provision for loan losses | -91,200,000 | -259,646,000 | -308,257,000 | -359,990,000 |
| Pretax income | 777,751,000 | 1,611,572,000 | 2,299,659,000 | 2,955,525,000 |
| Income tax | 169,412,000 | 352,793,000 | 506,587,000 | 647,461,000 |
| Net income | 608,339,000 | 1,258,779,000 | 1,793,072,000 | 2,308,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,265,137,000 | 16,545,304,000 | 16,792,066,000 | 17,039,056,000 |
| Total capital | 19,154,819,000 | 19,216,449,000 | 19,406,006,000 | 19,600,429,000 |
| Risk-weighted assets | 147,393,522,000 | 148,104,665,000 | 151,438,447,000 | 158,550,072,000 |