Call reports 2005
CITIZENS BANK OF EDMOND, THE — 2005
What CITIZENS BANK OF EDMOND, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 225,875,000 | 229,007,000 | 231,042,000 | 235,495,000 |
| Total loans | 147,275,000 | 154,579,000 | 158,831,000 | 168,840,000 |
| Allowance for loan losses | 1,446,000 | 1,502,000 | 1,559,000 | 1,643,000 |
| Securities available for sale | 45,668,000 | 41,247,000 | 33,619,000 | 32,127,000 |
| Securities held to maturity | 12,902,000 | 12,229,000 | 11,925,000 | 11,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,639,000 | 188,326,000 | 190,740,000 | 192,899,000 |
| Interest-bearing deposits | 137,068,000 | 137,400,000 | 139,710,000 | 141,077,000 |
| Noninterest-bearing deposits | 49,571,000 | 50,926,000 | 51,030,000 | 51,822,000 |
| Equity capital | 22,003,000 | 22,652,000 | 23,012,000 | 22,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,153,000 | 6,506,000 | 10,049,000 | 13,731,000 |
| Interest expense | 736,000 | 1,546,000 | 2,414,000 | 3,390,000 |
| Net interest income | 2,417,000 | 4,960,000 | 7,635,000 | 10,341,000 |
| Noninterest income | 463,000 | 905,000 | 1,443,000 | 1,909,000 |
| Noninterest expense | 2,043,000 | 4,144,000 | 6,264,000 | 8,518,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 505,000 |
| Pretax income | 772,000 | 1,530,000 | 2,397,000 | 3,170,000 |
| Income tax | 17,000 | 52,000 | 66,000 | 64,000 |
| Net income | 755,000 | 1,478,000 | 2,331,000 | 3,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,506,000 | 22,882,000 | 23,393,000 | 22,982,000 |
| Total capital | 23,952,000 | 24,384,000 | 24,952,000 | 24,625,000 |
| Risk-weighted assets | 162,673,000 | 169,202,000 | 176,752,000 | 183,767,000 |
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