Call reports 2005
FIRST NATIONAL BANK AND TRUST COMPANY OF ARDMORE — 2005
What FIRST NATIONAL BANK AND TRUST COMPANY OF ARDMORE 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 | 276,770,000 | 280,417,000 | 284,796,000 | 287,127,000 |
| Total loans | 138,640,000 | 132,385,000 | 132,284,000 | 134,907,000 |
| Allowance for loan losses | 2,539,000 | 2,565,000 | 2,551,000 | 2,552,000 |
| Securities available for sale | 112,038,000 | 119,245,000 | 122,393,000 | 123,051,000 |
| Securities held to maturity | 3,140,000 | 5,966,000 | 5,390,000 | 5,389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,551,000 | 233,261,000 | 233,476,000 | 231,760,000 |
| Interest-bearing deposits | 180,105,000 | 180,223,000 | 179,701,000 | 175,842,000 |
| Noninterest-bearing deposits | 52,446,000 | 53,038,000 | 53,775,000 | 55,918,000 |
| Equity capital | 24,437,000 | 25,086,000 | 24,777,000 | 23,867,000 |
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 | 3,508,000 | 7,101,000 | 10,806,000 | 14,674,000 |
| Interest expense | 690,000 | 1,482,000 | 2,395,000 | 3,415,000 |
| Net interest income | 2,818,000 | 5,619,000 | 8,411,000 | 11,259,000 |
| Noninterest income | 762,000 | 1,528,000 | 2,330,000 | 3,190,000 |
| Noninterest expense | 2,549,000 | 5,026,000 | 7,524,000 | 10,126,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 995,000 | 2,040,000 | 2,986,000 | 4,047,000 |
| Income tax | 0 | 19,000 | 19,000 | 19,000 |
| Net income | 995,000 | 2,021,000 | 2,967,000 | 4,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,012,000 | 22,322,000 | 22,549,000 | 22,859,000 |
| Total capital | 24,005,000 | 24,282,000 | 24,565,000 | 24,969,000 |
| Risk-weighted assets | 158,912,000 | 156,163,000 | 160,771,000 | 168,379,000 |
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