Call reports 2007
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2007
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 139,837,000 | 138,753,000 | 137,374,000 | 147,514,000 |
| Total loans | 68,876,000 | 65,336,000 | 68,862,000 | 71,670,000 |
| Allowance for loan losses | 649,000 | 643,000 | 634,000 | 624,000 |
| Securities available for sale | 16,810,000 | 17,956,000 | 20,656,000 | 24,293,000 |
| Securities held to maturity | 33,655,000 | 34,913,000 | 32,944,000 | 32,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,777,000 | 100,442,000 | 100,996,000 | 111,219,000 |
| Interest-bearing deposits | 73,605,000 | 74,215,000 | 77,423,000 | 86,525,000 |
| Noninterest-bearing deposits | 27,172,000 | 26,227,000 | 23,573,000 | 24,694,000 |
| Equity capital | 15,208,000 | 14,694,000 | 15,020,000 | 14,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,031,000 | 4,149,000 | 6,225,000 | 8,369,000 |
| Interest expense | 763,000 | 1,546,000 | 2,374,000 | 3,267,000 |
| Net interest income | 1,268,000 | 2,603,000 | 3,851,000 | 5,102,000 |
| Noninterest income | 434,000 | 869,000 | 1,336,000 | 1,805,000 |
| Noninterest expense | 1,222,000 | 2,433,000 | 3,653,000 | 4,940,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 458,000 | 1,000,000 | 1,484,000 | 1,917,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 458,000 | 1,000,000 | 1,484,000 | 1,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,343,000 | 15,052,000 | 15,120,000 | 14,815,000 |
| Total capital | 15,992,000 | 15,695,000 | 15,754,000 | 15,439,000 |
| Risk-weighted assets | 94,316,000 | 90,813,000 | 92,479,000 | 96,465,000 |