Call reports 2009
CITIZENS BANK OF EDMOND, THE — 2009
What CITIZENS BANK OF EDMOND, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 338,698,000 | 324,785,000 | 321,628,000 | 314,166,000 |
| Total loans | 244,431,000 | 239,359,000 | 227,869,000 | 209,795,000 |
| Allowance for loan losses | 8,418,000 | 6,891,000 | 6,479,000 | 5,935,000 |
| Securities available for sale | 45,346,000 | 45,173,000 | 35,617,000 | 36,114,000 |
| Securities held to maturity | 9,449,000 | 7,474,000 | 6,195,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,743,000 | 269,439,000 | 267,710,000 | 267,415,000 |
| Interest-bearing deposits | 221,120,000 | 219,661,000 | 219,147,000 | 218,493,000 |
| Noninterest-bearing deposits | 53,623,000 | 49,778,000 | 48,563,000 | 48,921,000 |
| Equity capital | 24,560,000 | 24,119,000 | 24,519,000 | 22,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,442,000 | 9,094,000 | 13,143,000 | 16,904,000 |
| Interest expense | 1,182,000 | 2,334,000 | 3,413,000 | 4,466,000 |
| Net interest income | 3,260,000 | 6,760,000 | 9,730,000 | 12,438,000 |
| Noninterest income | 464,000 | 924,000 | 1,101,000 | 1,336,000 |
| Noninterest expense | 2,992,000 | 6,293,000 | 9,091,000 | 12,349,000 |
| Provision for loan losses | 6,585,000 | 7,035,000 | 7,660,000 | 9,511,000 |
| Pretax income | -5,846,000 | -5,611,000 | -5,670,000 | -7,754,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -5,846,000 | -5,611,000 | -5,670,000 | -7,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,975,000 | 24,991,000 | 24,931,000 | 22,848,000 |
| Total capital | 28,319,000 | 28,294,000 | 28,009,000 | 25,643,000 |
| Risk-weighted assets | 261,684,000 | 259,896,000 | 243,054,000 | 221,225,000 |