Call reports 2008
CITIZENS BANK OF EDMOND, THE — 2008
What CITIZENS BANK OF EDMOND, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 344,195,000 | 341,952,000 | 343,305,000 | 337,619,000 |
| Total loans | 238,214,000 | 244,259,000 | 243,761,000 | 246,290,000 |
| Allowance for loan losses | 2,079,000 | 2,173,000 | 2,478,000 | 2,321,000 |
| Securities available for sale | 45,458,000 | 45,777,000 | 48,166,000 | 47,572,000 |
| Securities held to maturity | 10,842,000 | 10,193,000 | 10,074,000 | 10,074,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,843,000 | 282,194,000 | 277,632,000 | 268,666,000 |
| Interest-bearing deposits | 224,691,000 | 215,649,000 | 221,124,000 | 213,412,000 |
| Noninterest-bearing deposits | 61,152,000 | 66,545,000 | 56,508,000 | 55,254,000 |
| Equity capital | 26,786,000 | 30,801,000 | 32,191,000 | 28,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,256,000 | 10,453,000 | 15,638,000 | 20,350,000 |
| Interest expense | 1,953,000 | 3,702,000 | 5,248,000 | 6,588,000 |
| Net interest income | 3,303,000 | 6,751,000 | 10,390,000 | 13,762,000 |
| Noninterest income | 432,000 | 972,000 | 1,473,000 | 1,919,000 |
| Noninterest expense | 2,777,000 | 5,759,000 | 8,732,000 | 11,883,000 |
| Provision for loan losses | 175,000 | 400,000 | 690,000 | 990,000 |
| Pretax income | 783,000 | 1,564,000 | 2,416,000 | 2,896,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 783,000 | 1,564,000 | 2,416,000 | 2,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,908,000 | 31,243,000 | 31,687,000 | 31,006,000 |
| Total capital | 27,987,000 | 33,416,000 | 34,165,000 | 33,327,000 |
| Risk-weighted assets | 273,311,000 | 275,919,000 | 272,280,000 | 271,879,000 |