Call reports 2005
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2005
What CITIZENS BANK & 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 | 135,651,000 | 140,966,000 | 132,051,000 | 131,618,000 |
| Total loans | 62,890,000 | 63,453,000 | 60,416,000 | 61,377,000 |
| Allowance for loan losses | 708,000 | 714,000 | 706,000 | 691,000 |
| Securities available for sale | 23,020,000 | 23,052,000 | 22,094,000 | 22,208,000 |
| Securities held to maturity | 32,460,000 | 36,350,000 | 36,400,000 | 36,347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,886,000 | 91,150,000 | 92,065,000 | 92,671,000 |
| Interest-bearing deposits | 62,889,000 | 63,701,000 | 65,786,000 | 64,311,000 |
| Noninterest-bearing deposits | 24,997,000 | 27,449,000 | 26,279,000 | 28,360,000 |
| Equity capital | 14,187,000 | 14,669,000 | 15,016,000 | 14,627,000 |
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 | 1,635,000 | 3,367,000 | 5,112,000 | 6,898,000 |
| Interest expense | 424,000 | 890,000 | 1,396,000 | 1,954,000 |
| Net interest income | 1,211,000 | 2,477,000 | 3,716,000 | 4,944,000 |
| Noninterest income | 420,000 | 865,000 | 1,321,000 | 1,783,000 |
| Noninterest expense | 1,211,000 | 2,409,000 | 3,574,000 | 4,725,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 461,000 | 978,000 | 1,508,000 | 2,047,000 |
| Income tax | 110,000 | 219,000 | 358,000 | 538,000 |
| Net income | 351,000 | 759,000 | 1,150,000 | 1,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,380,000 | 14,787,000 | 15,178,000 | 14,926,000 |
| Total capital | 15,088,000 | 15,501,000 | 15,884,000 | 15,617,000 |
| Risk-weighted assets | 79,885,000 | 80,894,000 | 77,103,000 | 78,308,000 |