Call reports 2003
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2003
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 121,065,000 | 125,757,000 | 122,118,000 | 122,969,000 |
| Total loans | 58,587,000 | 60,038,000 | 61,686,000 | 63,200,000 |
| Allowance for loan losses | 877,000 | 767,000 | 709,000 | 696,000 |
| Securities available for sale | 21,962,000 | 28,215,000 | 28,129,000 | 24,696,000 |
| Securities held to maturity | 25,362,000 | 22,982,000 | 21,485,000 | 19,586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,754,000 | 87,600,000 | 82,935,000 | 81,013,000 |
| Interest-bearing deposits | 64,740,000 | 64,828,000 | 62,163,000 | 60,139,000 |
| Noninterest-bearing deposits | 21,014,000 | 22,772,000 | 20,772,000 | 20,874,000 |
| Equity capital | 13,174,000 | 13,526,000 | 13,544,000 | 13,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,574,000 | 3,120,000 | 4,677,000 | 6,211,000 |
| Interest expense | 391,000 | 767,000 | 1,092,000 | 1,411,000 |
| Net interest income | 1,183,000 | 2,353,000 | 3,585,000 | 4,800,000 |
| Noninterest income | 342,000 | 662,000 | 998,000 | 1,364,000 |
| Noninterest expense | 1,129,000 | 2,242,000 | 3,383,000 | 4,597,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 396,000 | 773,000 | 1,200,000 | 1,630,000 |
| Income tax | 86,000 | 154,000 | 257,000 | 370,000 |
| Net income | 310,000 | 619,000 | 943,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,706,000 | 13,015,000 | 13,352,000 | 13,279,000 |
| Total capital | 13,583,000 | 13,782,000 | 14,061,000 | 13,975,000 |
| Risk-weighted assets | 72,217,000 | 73,843,000 | 72,719,000 | 75,863,000 |