Call reports 2003
CITIZENS BANK OF EDMOND, THE — 2003
What CITIZENS BANK OF EDMOND, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 214,161,000 | 213,920,000 | 208,300,000 | 210,942,000 |
| Total loans | 123,532,000 | 125,130,000 | 123,802,000 | 131,197,000 |
| Allowance for loan losses | 1,391,000 | 1,433,000 | 1,542,000 | 1,428,000 |
| Securities available for sale | 41,581,000 | 45,974,000 | 46,176,000 | 45,007,000 |
| Securities held to maturity | 19,976,000 | 19,252,000 | 16,977,000 | 16,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,867,000 | 171,704,000 | 168,997,000 | 170,343,000 |
| Interest-bearing deposits | 127,558,000 | 125,222,000 | 124,702,000 | 122,396,000 |
| Noninterest-bearing deposits | 44,309,000 | 46,482,000 | 44,295,000 | 47,947,000 |
| Equity capital | 21,739,000 | 22,435,000 | 22,058,000 | 21,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,020,000 | 5,998,000 | 8,931,000 | 11,805,000 |
| Interest expense | 697,000 | 1,343,000 | 1,951,000 | 2,534,000 |
| Net interest income | 2,323,000 | 4,655,000 | 6,980,000 | 9,271,000 |
| Noninterest income | 491,000 | 1,011,000 | 1,566,000 | 2,059,000 |
| Noninterest expense | 1,918,000 | 3,809,000 | 5,850,000 | 7,954,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 475,000 |
| Pretax income | 774,000 | 1,599,000 | 2,325,000 | 3,063,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 774,000 | 1,599,000 | 2,325,000 | 3,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,396,000 | 20,921,000 | 21,383,000 | 21,008,000 |
| Total capital | 21,787,000 | 22,354,000 | 22,925,000 | 22,436,000 |
| Risk-weighted assets | 133,656,000 | 134,043,000 | 132,922,000 | 137,066,000 |
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