Call reports 2022
CITIZENS BANK, NATIONAL ASSOCIATION — 2022
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 191,869,069,000 | 226,531,535,000 | 224,479,847,000 | 226,401,591,000 |
| Total loans | 133,059,285,000 | 159,653,493,000 | 158,181,469,000 | 157,774,068,000 |
| Allowance for loan losses | 1,719,697,000 | 1,963,749,000 | 1,979,721,000 | 1,982,786,000 |
| Securities available for sale | 25,318,882,000 | 24,961,437,000 | 23,477,709,000 | 24,006,589,000 |
| Securities held to maturity | 2,055,547,000 | 9,567,277,000 | 10,070,533,000 | 9,834,490,000 |
| Trading assets | 1,795,093,000 | 1,623,484,000 | 1,464,807,000 | 945,171,000 |
| Total deposits | 161,107,984,000 | 181,566,368,000 | 180,743,186,000 | 182,871,182,000 |
| Interest-bearing deposits | 109,966,595,000 | 126,055,712,000 | 127,560,712,000 | 132,412,883,000 |
| Noninterest-bearing deposits | 51,141,389,000 | 55,510,656,000 | 53,182,474,000 | 50,458,299,000 |
| Equity capital | 21,599,475,000 | 24,142,209,000 | 23,198,766,000 | 23,673,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,213,832,000 | 2,841,936,000 | 4,812,468,000 | 7,069,796,000 |
| Interest expense | 45,608,000 | 144,926,000 | 424,590,000 | 960,043,000 |
| Net interest income | 1,168,224,000 | 2,697,010,000 | 4,387,878,000 | 6,109,753,000 |
| Noninterest income | 454,810,000 | 904,735,000 | 1,362,497,000 | 1,796,334,000 |
| Noninterest expense | 1,049,031,000 | 2,305,560,000 | 3,485,149,000 | 4,661,443,000 |
| Provision for loan losses | 20,870,000 | 212,770,000 | 302,772,000 | 393,771,000 |
| Pretax income | 574,953,000 | 1,082,151,000 | 1,928,191,000 | 2,779,688,000 |
| Income tax | 125,043,000 | 245,451,000 | 429,950,000 | 605,931,000 |
| Net income | 449,910,000 | 836,700,000 | 1,498,241,000 | 2,173,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,226,281,000 | 19,865,135,000 | 20,457,737,000 | 20,669,014,000 |
| Total capital | 19,855,593,000 | 22,661,771,000 | 23,285,490,000 | 23,534,661,000 |
| Risk-weighted assets | 161,442,818,000 | 187,359,392,000 | 186,706,465,000 | 184,781,209,000 |