Call reports 2006
CITIZENS BANK OF EDMOND, THE — 2006
What CITIZENS BANK OF EDMOND, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 241,720,000 | 252,834,000 | 251,738,000 | 260,632,000 |
| Total loans | 176,749,000 | 180,481,000 | 181,955,000 | 184,319,000 |
| Allowance for loan losses | 1,728,000 | 1,869,000 | 1,977,000 | 2,049,000 |
| Securities available for sale | 30,789,000 | 29,387,000 | 32,176,000 | 35,240,000 |
| Securities held to maturity | 11,682,000 | 11,680,000 | 10,978,000 | 10,767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,045,000 | 205,479,000 | 205,745,000 | 214,615,000 |
| Interest-bearing deposits | 145,669,000 | 150,469,000 | 154,509,000 | 161,286,000 |
| Noninterest-bearing deposits | 53,376,000 | 55,010,000 | 51,236,000 | 53,329,000 |
| Equity capital | 22,812,000 | 23,002,000 | 24,108,000 | 23,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,885,000 | 8,053,000 | 12,568,000 | 17,105,000 |
| Interest expense | 1,091,000 | 2,330,000 | 3,748,000 | 5,392,000 |
| Net interest income | 2,794,000 | 5,723,000 | 8,820,000 | 11,713,000 |
| Noninterest income | 421,000 | 900,000 | 1,350,000 | 1,825,000 |
| Noninterest expense | 2,278,000 | 4,564,000 | 6,774,000 | 9,217,000 |
| Provision for loan losses | 140,000 | 300,000 | 420,000 | 540,000 |
| Pretax income | 797,000 | 1,759,000 | 2,972,000 | 3,772,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 797,000 | 1,759,000 | 2,972,000 | 3,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,606,000 | 24,183,000 | 24,929,000 | 24,063,000 |
| Total capital | 25,334,000 | 26,052,000 | 26,906,000 | 26,112,000 |
| Risk-weighted assets | 190,510,000 | 196,721,000 | 202,048,000 | 206,272,000 |