Call reports 2004
CITIZENS BANK OF EDMOND, THE — 2004
What CITIZENS BANK OF EDMOND, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 214,787,000 | 209,879,000 | 215,829,000 | 218,946,000 |
| Total loans | 132,303,000 | 133,189,000 | 130,999,000 | 139,840,000 |
| Allowance for loan losses | 1,459,000 | 1,458,000 | 1,518,000 | 1,391,000 |
| Securities available for sale | 43,372,000 | 42,328,000 | 46,820,000 | 47,793,000 |
| Securities held to maturity | 15,206,000 | 14,776,000 | 13,916,000 | 13,503,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,993,000 | 174,035,000 | 177,394,000 | 183,111,000 |
| Interest-bearing deposits | 127,841,000 | 125,822,000 | 129,767,000 | 130,589,000 |
| Noninterest-bearing deposits | 49,152,000 | 48,213,000 | 47,627,000 | 52,522,000 |
| Equity capital | 22,574,000 | 21,497,000 | 22,738,000 | 22,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,844,000 | 5,663,000 | 8,541,000 | 11,581,000 |
| Interest expense | 575,000 | 1,162,000 | 1,789,000 | 2,475,000 |
| Net interest income | 2,269,000 | 4,501,000 | 6,752,000 | 9,106,000 |
| Noninterest income | 523,000 | 1,042,000 | 1,608,000 | 2,092,000 |
| Noninterest expense | 2,175,000 | 4,217,000 | 6,309,000 | 8,446,000 |
| Provision for loan losses | 100,000 | 205,000 | 330,000 | 370,000 |
| Pretax income | 538,000 | 1,149,000 | 1,898,000 | 2,594,000 |
| Income tax | 0 | 0 | 0 | 73,000 |
| Net income | 538,000 | 1,149,000 | 1,898,000 | 2,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,402,000 | 21,702,000 | 22,130,000 | 21,912,000 |
| Total capital | 22,861,000 | 23,160,000 | 23,648,000 | 23,303,000 |
| Risk-weighted assets | 142,974,000 | 139,783,000 | 141,755,000 | 147,826,000 |
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