Citizens financial group inc/ri (CFG)
Balance Sheet / Yearly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Dec'13
ASSETS:
Cash and due from banks

1,155

1,175

1,638

996

923

1,081

976

997

1,172

987

781

904

882

955

915

976

839

1,099

1,067

961

954

1,171

993

1,406

Interest-bearing cash and due from banks

2,903

2,211

2,204

2,039

1,513

2,993

3,015

2,868

2,687

2,000

1,339

3,263

3,111

2,749

2,000

2,679

1,016

1,986

689

1,908

4,050

2,105

1,896

1,351

Interest-bearing deposits in banks

280

297

158

186

167

148

142

114

142

192

287

433

351

439

720

727

534

356

363

186

615

370

292

233

Debt securities available for sale, at fair value (including $491 and $359 pledged to creditors, respectively)

22,307

20,613

21,502

21,698

21,504

19,895

20,152

20,157

19,958

20,157

19,982

19,257

19,964

19,501

19,425

18,479

17,964

17,884

18,197

18,662

19,041

18,656

18,666

15,995

Debt securities held to maturity (fair value of $3,219 and $3,242 respectively, and including $204 and $249 pledged to creditors, respectively) (1)

3,071

3,202

3,319

3,447

3,345

4,165

4,284

4,417

4,555

4,685

4,823

4,967

4,992

5,071

5,289

4,973

5,129

5,258

5,285

5,567

5,178

5,148

5,289

4,315

Equity investment securities, at fair value

47

47

47

47

198

181

175

170

172

169

165

97

101

96

113

73

68

70

50

-

-

33

-

-

Equity investment securities, at cost

927

807

734

706

604

834

874

769

748

722

772

794

939

942

877

873

896

863

822

866

867

867

893

935

Loans held for sale, at fair value

2,911

1,946

1,993

1,750

1,186

1,219

1,303

521

478

497

500

520

448

583

526

478

365

325

369

397

322

256

205

176

Other loans held for sale

350

1,384

22

455

66

101

27

189

322

221

724

187

221

42

0

372

386

40

51

300

54

25

3

1,078

Loans and leases

127,528

119,088

117,880

116,838

117,615

116,660

114,720

113,407

111,425

110,617

110,151

109,046

108,111

107,669

105,467

103,551

100,991

99,042

97,431

96,538

94,494

93,410

90,749

85,859

Less: Allowance for loan and lease losses

2,171

1,252

1,263

1,227

1,245

1,242

1,242

1,253

1,246

1,236

1,224

1,219

1,224

1,236

1,240

1,246

1,224

1,216

1,201

1,201

1,202

1,195

1,201

1,221

Net loans and leases

125,357

117,836

116,617

115,611

116,370

115,418

113,478

112,154

110,179

109,381

108,927

107,827

106,887

106,433

104,227

102,305

99,767

97,826

96,230

95,337

93,292

92,215

89,548

84,638

Derivative assets

1,968

807

1,027

833

465

317

173

224

274

617

596

408

357

627

1,102

1,312

1,068

625

838

665

742

629

547

650

Premises and equipment, net

746

761

747

740

746

791

753

720

687

685

618

600

582

601

540

551

570

595

560

580

584

595

541

592

Bank-owned life insurance

1,736

1,725

1,720

1,711

1,705

1,698

1,687

1,677

1,669

1,656

1,646

1,636

1,623

1,612

1,600

1,587

1,576

1,564

1,553

1,543

1,535

1,527

1,370

1,339

Goodwill

7,050

7,044

7,044

7,040

7,040

6,923

6,946

6,887

6,887

6,887

6,887

6,887

6,876

6,876

6,876

6,876

6,876

6,876

6,876

6,876

6,876

6,876

6,876

6,876

Due from broker

-

-

257

249

92

-

0

0

84

6

226

530

-

0

-

132

161

-

-

939

-

-

2,067

446

Other branch assets held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

46

Other assets

5,911

5,878

5,333

5,241

5,418

4,754

4,613

3,567

3,439

3,429

3,083

3,097

2,951

2,993

2,805

2,790

2,862

2,841

2,497

2,464

2,425

2,384

2,155

2,078

TOTAL ASSETS

176,719

165,733

164,362

162,749

161,342

160,518

158,598

155,431

153,453

152,336

151,356

151,407

150,285

149,520

147,015

145,183

140,077

138,208

135,447

137,251

136,535

132,857

131,341

122,154

LIABILITIES AND STOCKHOLDERS’ EQUITY:
LIABILITIES:
Deposits:
Noninterest-bearing

32,398

29,233

29,939

28,192

28,383

29,458

29,785

29,439

28,437

29,279

28,643

27,814

27,713

28,472

27,292

27,108

27,186

27,649

27,373

26,678

26,670

26,086

25,877

24,931

Interest-bearing

101,077

96,080

94,775

95,812

95,533

90,117

87,290

87,634

87,293

85,810

84,592

85,799

84,399

81,332

81,035

79,149

75,420

74,890

74,493

73,937

72,320

69,621

67,586

61,972

Total deposits

133,475

125,313

124,714

124,004

123,916

119,575

117,075

117,073

115,730

115,089

113,235

113,613

112,112

109,804

108,327

106,257

102,606

102,539

101,866

100,615

98,990

95,707

93,463

86,903

Short-term borrowed funds

1,100

274

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deposits held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

5,277

Federal funds purchased and securities sold under agreements to repurchase

-

-

867

1,132

668

1,156

374

326

315

815

453

429

1,093

1,148

900

717

714

802

1,293

3,784

4,421

4,276

5,184

4,791

Other short-term borrowed funds

-

-

210

309

11

161

2,006

1,499

1,494

1,856

1,505

2,004

2,762

3,211

2,512

2,770

3,300

2,630

5,861

6,762

7,004

6,253

6,715

2,251

Derivative liabilities

234

120

161

106

173

292

449

425

331

310

242

159

320

659

840

1,010

832

485

641

556

616

612

638

939

Deferred taxes, net

782

866

752

767

676

573

430

456

475

571

744

740

744

714

994

961

852

730

637

558

586

493

354

199

Long-term Debt

16,437

14,047

12,806

11,538

11,725

15,925

15,639

13,641

13,486

11,765

13,400

13,154

11,780

12,790

11,902

11,810

10,035

9,886

4,153

3,890

3,904

4,642

2,062

1,405

Due to broker

-

-

206

257

93

-

381

-

84

-

-

-

-

-

-

86

276

-

-

-

61

-

2,087

-

Other liabilities

2,782

2,912

2,795

2,619

2,549

2,019

1,968

1,544

1,479

1,660

1,668

1,244

1,627

1,447

1,359

1,346

1,497

1,490

1,396

1,500

1,389

1,606

1,455

1,193

TOTAL LIABILITIES

154,769

143,532

142,511

140,732

139,811

139,701

138,322

134,964

133,394

132,066

131,247

131,343

130,438

129,773

126,834

124,957

120,112

118,562

115,847

117,665

116,971

113,589

111,958

102,958

Contingencies (refer to Note 12)

-

-

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

STOCKHOLDERS’ EQUITY:
Preferred stock, $25.00 par value, authorized 100,000,000 shares:
$25.00 par value,100,000,000 shares authorized; 1,600,000 shares issued and outstanding at March 31, 2020 and December 31, 2019, respectively

1,570

1,570

1,133

1,133

1,132

840

543

543

247

247

247

247

247

247

247

247

247

247

247

247

0

0

0

0

Common stock:
$0.01 par value, 1,000,000,000 shares authorized; 569,252,835 shares issued and 426,586,533 shares outstanding at March 31, 2020 and 568,238,730 shares issued and 433,121,083 shares outstanding at December 31, 2019

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

Additional paid-in capital

18,901

18,891

18,876

18,860

18,847

18,815

18,816

18,806

18,797

18,781

18,768

18,761

18,751

18,722

18,740

18,735

18,730

18,725

18,718

18,714

18,707

18,676

18,660

18,603

Retained earnings

6,011

6,498

6,229

5,959

5,672

5,385

5,062

4,755

4,437

4,164

3,442

3,191

2,944

2,703

2,483

2,255

2,076

1,913

1,745

1,585

1,448

1,294

1,152

1,235

Treasury stock, at cost, 142,666,302 and 135,117,647 shares at March 31, 2020 and December 31, 2019, respectively

4,623

4,353

3,953

3,453

3,333

3,133

2,833

2,433

2,283

2,108

1,773

1,548

1,418

1,263

1,108

858

858

858

857

607

357

336

-

0

Accumulated other comprehensive income (loss)

85

-411

-440

-488

-793

-1,096

-1,318

-1,210

-1,145

-820

-581

-593

-683

-668

-187

-159

-236

-387

-259

-359

-240

-372

-435

-648

TOTAL STOCKHOLDERS’ EQUITY

21,950

22,201

21,851

22,017

21,531

20,817

20,276

20,467

20,059

20,270

20,109

20,064

19,847

19,747

20,181

20,226

19,965

19,646

19,600

19,586

19,564

19,268

19,383

19,196

TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY

176,719

165,733

164,362

162,749

161,342

160,518

158,598

155,431

153,453

152,336

151,356

151,407

150,285

149,520

147,015

145,183

140,077

138,208

135,447

137,251

136,535

132,857

131,341

122,154