Call reports 2015
CITIZENS BANK OF EDMOND, THE — 2015
What CITIZENS BANK OF EDMOND, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 253,137,000 | 251,407,000 | 250,378,000 | 253,879,000 |
| Total loans | 173,823,000 | 168,044,000 | 168,382,000 | 169,849,000 |
| Allowance for loan losses | 3,367,000 | 3,403,000 | 3,346,000 | 3,179,000 |
| Securities available for sale | 51,673,000 | 55,610,000 | 54,545,000 | 57,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,411,000 | 223,309,000 | 221,983,000 | 225,212,000 |
| Interest-bearing deposits | 148,739,000 | 147,869,000 | 148,493,000 | 149,897,000 |
| Noninterest-bearing deposits | 76,672,000 | 75,440,000 | 73,491,000 | 75,315,000 |
| Equity capital | 24,788,000 | 25,162,000 | 25,370,000 | 25,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,396,000 | 4,927,000 | 7,267,000 | 9,613,000 |
| Interest expense | 43,000 | 84,000 | 121,000 | 156,000 |
| Net interest income | 2,353,000 | 4,843,000 | 7,146,000 | 9,457,000 |
| Noninterest income | 586,000 | 970,000 | 1,375,000 | 1,745,000 |
| Noninterest expense | 2,184,000 | 4,154,000 | 6,144,000 | 8,156,000 |
| Provision for loan losses | 0 | 0 | 0 | -150,000 |
| Pretax income | 764,000 | 1,668,000 | 2,386,000 | 3,205,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 764,000 | 1,668,000 | 2,386,000 | 3,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,398,000 | 27,934,000 | 28,117,000 | 28,551,000 |
| Total capital | 29,750,000 | 30,180,000 | 30,357,000 | 30,868,000 |
| Risk-weighted assets | 187,180,000 | 178,546,000 | 178,117,000 | 184,549,000 |