Citizens financial group inc/ri (CFG)
Income statement / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Sep'13
INTEREST INCOME:
Interest and fees on loans and leases

5,362

5,441

5,476

5,407

5,245

5,010

4,784

4,593

4,403

4,249

4,091

3,921

3,777

3,653

3,520

3,406

3,300

3,211

3,158

3,100

3,061

3,012

2,983

0

0

0

Interest and fees on loans held for sale, at fair value

67

63

59

54

44

37

28

19

18

18

18

17

16

15

12

11

11

10

9

8

6

5

7

0

0

0

Interest and fees on other loans held for sale

18

13

9

9

10

10

13

14

13

10

6

4

6

6

6

8

7

7

8

5

12

23

22

0

0

0

Investment securities

623

642

655

669

670

672

656

644

633

625

621

612

599

584

585

593

607

621

629

630

629

619

578

0

0

0

Interest-bearing deposits in banks

27

30

31

30

31

29

26

24

21

18

15

12

9

8

7

7

6

5

5

5

5

5

6

0

0

0

Total interest income

6,097

6,189

6,230

6,169

6,000

5,758

5,507

5,294

5,088

4,920

4,751

4,566

4,407

4,266

4,130

4,025

3,931

3,854

3,809

3,748

3,713

3,664

3,596

0

0

0

INTEREST EXPENSE:
Deposits

1,095

1,155

1,137

1,054

927

785

670

579

500

441

387

335

296

270

254

248

245

237

225

201

175

156

166

0

0

0

Short-term borrowed funds

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deposits held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4

4

0

0

0

Federal funds purchased and securities sold under agreements to repurchase

-

-

9

9

-

6

5

4

3

3

2

2

2

2

5

8

10

16

20

25

24

32

60

0

0

0

Other short-term borrowed funds

-

-

3

7

-

9

2

5

11

17

29

32

37

40

49

56

63

67

70

74

85

89

72

0

0

0

Long-term borrowed funds

379

410

438

453

458

426

390

352

315

286

254

235

213

196

180

160

143

132

122

112

98

82

63

0

0

0

Total interest expense

1,483

1,575

1,587

1,523

1,399

1,226

1,067

940

829

747

672

604

548

508

488

472

461

452

437

412

384

363

365

0

0

0

Interest Income (Expense), Net

4,614

4,614

4,643

4,646

4,601

4,532

4,440

4,354

4,259

4,173

4,079

3,962

3,859

3,758

3,642

3,553

3,470

3,402

3,372

3,336

3,329

3,301

3,231

0

0

0

Provision for Loan, Lease, and Other Losses

908

393

368

345

333

326

324

318

303

321

340

354

374

369

358

348

335

302

283

284

256

319

392

0

0

0

Net interest income after provision for credit losses

3,706

4,221

4,275

4,301

4,268

4,206

4,116

4,036

3,956

3,852

3,739

3,608

3,485

3,389

3,284

3,205

3,135

3,100

3,089

3,052

3,073

2,982

2,839

0

0

0

NONINTEREST INCOME:
Service charges and fees

500

505

508

511

512

513

513

513

515

516

517

520

521

522

471

482

491

500

563

562

570

574

593

0

0

0

Mortgage banking fees

418

302

273

205

170

152

129

107

110

108

116

122

117

112

96

81

86

101

97

100

84

71

75

0

0

0

Card fees

251

254

252

246

242

244

238

235

234

233

227

221

213

203

213

221

230

232

230

228

229

233

238

0

0

0

Capital markets fees

205

216

195

203

194

179

176

182

185

194

189

172

159

136

130

115

107

104

98

99

95

91

77

0

0

0

Trust and investment services fees

208

202

193

188

178

171

170

163

159

158

150

149

148

146

151

155

158

157

156

154

155

158

159

0

0

0

Foreign exchange and interest rate products

143

155

140

136

135

126

124

117

109

109

108

112

112

103

95

89

85

90

92

96

96

95

95

0

0

0

Letter of credit and loan fees

136

135

134

132

131

128

125

123

122

121

119

117

114

112

0

0

0

-

-

-

-

-

-

-

-

-

Securities gains, net

11

19

21

21

19

19

15

14

15

11

12

10

11

16

23

25

30

29

20

20

11

28

52

0

0

0

Net impairment losses recognized in earnings on debt securities

1

2

2

2

3

3

4

4

7

7

7

9

12

12

13

12

7

7

8

7

7

10

10

0

0

0

Bank-owned life insurance income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

53

52

50

49

48

0

0

0

Total other-than-temporary impairment losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Portions of loss recognized in other comprehensive income (before taxes)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Other income

75

91

90

87

75

67

93

94

84

91

76

147

163

159

163

105

100

106

98

83

384

389

395

0

0

0

Noninterest Income

1,946

1,877

1,804

1,727

1,653

1,596

1,579

1,544

1,526

1,534

1,507

1,561

1,546

1,497

1,482

1,400

1,405

1,422

1,399

1,387

1,667

1,678

1,722

0

0

0

NONINTEREST EXPENSE:
Salaries and employee benefits

2,066

2,026

2,007

1,973

1,919

1,880

1,847

1,811

1,790

1,766

1,741

1,735

1,735

1,714

1,691

1,663

1,642

1,636

1,631

1,636

1,692

1,678

1,684

0

0

0

Equipment and software expense

522

514

505

492

476

464

587

535

489

443

265

265

265

263

261

258

259

257

253

249

249

250

256

0

0

0

Outside services

523

498

491

470

458

447

430

422

412

404

384

387

377

377

383

370

383

371

373

390

416

420

401

0

0

0

Occupancy

334

333

337

338

335

333

321

318

318

319

316

316

313

307

304

301

315

319

326

328

325

326

325

0

0

0

Amortization of software

-

-

-

-

-

-

-

-

-

-

178

179

175

170

164

153

149

146

355

282

212

145

-128

0

0

0

Goodwill impairment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Other operating expense

477

476

472

476

485

495

515

517

538

542

539

550

530

521

512

501

512

530

539

528

560

573

562

0

0

0

Noninterest Expense

3,922

3,847

3,812

3,749

3,673

3,619

3,566

3,514

3,503

3,474

3,423

3,432

3,395

3,352

3,315

3,246

3,260

3,259

3,273

3,285

3,392

3,392

3,356

0

0

0

Income before income tax expense

1,730

2,251

2,267

2,279

2,248

2,183

2,129

2,066

1,979

1,912

1,823

1,737

1,636

1,534

1,451

1,359

1,280

1,263

1,215

1,154

1,348

1,268

1,205

0

0

0

Income Tax Expense (Benefit)

344

460

461

479

476

462

207

239

259

260

555

520

494

489

467

452

426

423

399

369

440

403

393

0

0

0

Net Income (Loss) Attributable to Parent

1,386

1,791

1,806

1,800

1,772

1,721

1,922

1,827

1,720

1,652

1,268

1,217

1,142

1,045

984

907

854

840

816

785

908

865

812

0

0

0

Net Income (Loss) Available to Common Stockholders, Basic

1,306

1,718

1,741

1,745

1,735

1,692

1,908

1,813

1,706

1,638

1,254

1,203

1,128

1,031

970

893

840

833

801

901

0

-

0

0

-

-

Weighted Average Number of Shares Outstanding, Diluted [Abstract]
Weighted Average Number of Shares Outstanding, Basic

427

434

445

458

460

467

475

484

487

491

500

506

509

511

519

528

528

527

530

537

546

546

559

559

559

559

Weighted Average Number of Shares Outstanding, Diluted

429

435

447

459

462

468

477

486

489

493

502

507

511

513

521

530

530

529

533

539

549

550

560

559

559

559

Earnings Per Share [Abstract]
Earnings Per Share, Basic

0.03

0.98

0.97

0.95

0.92

0.96

0.92

0.88

0.78

1.34

0.68

0.63

0.61

0.54

0.56

0.46

0.41

0.42

0.40

0.35

0.38

0.35

0.34

0.56

0.30

0.26

Earnings Per Share, Diluted

0.03

0.97

0.97

0.95

0.92

0.95

0.91

0.88

0.78

1.33

0.68

0.63

0.61

0.54

0.56

0.46

0.41

0.42

0.40

0.35

0.38

0.35

0.34

0.56

0.30

0.26

Dividends declared and paid (in Dollars per Share)

-

-

-

-

-

-

-

-

-

-

0.18

0.14

0.14

-

0.12

0.12

0.10

0.10

0.10

0.10

0.10

0.10

0.68

0.61

0.04

0.68