Call reports 2006
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2006
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 133,460,000 | 133,846,000 | 132,103,000 | 134,831,000 |
| Total loans | 60,323,000 | 64,208,000 | 64,181,000 | 69,583,000 |
| Allowance for loan losses | 684,000 | 686,000 | 681,000 | 668,000 |
| Securities available for sale | 22,346,000 | 21,392,000 | 20,876,000 | 18,195,000 |
| Securities held to maturity | 37,388,000 | 35,420,000 | 34,787,000 | 34,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,519,000 | 91,020,000 | 90,472,000 | 92,477,000 |
| Interest-bearing deposits | 68,470,000 | 65,206,000 | 66,596,000 | 67,961,000 |
| Noninterest-bearing deposits | 27,049,000 | 25,814,000 | 23,876,000 | 24,516,000 |
| Equity capital | 15,075,000 | 14,442,000 | 14,662,000 | 14,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,731,000 | 5,711,000 | 7,706,000 |
| Interest expense | 559,000 | 1,248,000 | 1,972,000 | 2,728,000 |
| Net interest income | 1,236,000 | 2,483,000 | 3,739,000 | 4,978,000 |
| Noninterest income | 441,000 | 859,000 | 1,281,000 | 1,712,000 |
| Noninterest expense | 1,171,000 | 2,335,000 | 3,516,000 | 4,706,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 459,000 | 952,000 | 1,449,000 | 1,901,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 459,000 | 952,000 | 1,449,000 | 1,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,385,000 | 15,046,000 | 14,988,000 | 14,885,000 |
| Total capital | 16,069,000 | 15,732,000 | 15,669,000 | 15,553,000 |
| Risk-weighted assets | 77,555,000 | 83,525,000 | 87,604,000 | 93,649,000 |