Call reports 2004
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2004
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 124,037,000 | 130,113,000 | 130,384,000 | 129,715,000 |
| Total loans | 64,317,000 | 65,895,000 | 67,250,000 | 65,805,000 |
| Allowance for loan losses | 701,000 | 691,000 | 692,000 | 690,000 |
| Securities available for sale | 25,925,000 | 25,368,000 | 26,669,000 | 26,170,000 |
| Securities held to maturity | 18,561,000 | 21,413,000 | 23,895,000 | 26,174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,247,000 | 85,051,000 | 84,930,000 | 85,188,000 |
| Interest-bearing deposits | 63,559,000 | 61,257,000 | 61,279,000 | 60,577,000 |
| Noninterest-bearing deposits | 21,688,000 | 23,795,000 | 23,651,000 | 24,611,000 |
| Equity capital | 13,828,000 | 13,762,000 | 14,386,000 | 14,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,495,000 | 3,040,000 | 4,621,000 | 6,321,000 |
| Interest expense | 307,000 | 607,000 | 924,000 | 1,307,000 |
| Net interest income | 1,188,000 | 2,433,000 | 3,697,000 | 5,014,000 |
| Noninterest income | 362,000 | 715,000 | 1,101,000 | 1,535,000 |
| Noninterest expense | 1,144,000 | 2,320,000 | 3,487,000 | 4,713,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 417,000 | 839,000 | 1,322,000 | 1,847,000 |
| Income tax | 109,000 | 202,000 | 326,000 | 487,000 |
| Net income | 308,000 | 637,000 | 996,000 | 1,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,588,000 | 13,917,000 | 14,276,000 | 14,028,000 |
| Total capital | 14,289,000 | 14,608,000 | 14,968,000 | 14,718,000 |
| Risk-weighted assets | 76,094,000 | 80,693,000 | 80,918,000 | 80,165,000 |