Call reports 2008
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2008
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 164,265,000 | 170,979,000 | 174,622,000 | 171,357,000 |
| Total loans | 81,072,000 | 82,322,000 | 89,679,000 | 91,863,000 |
| Allowance for loan losses | 621,000 | 610,000 | 594,000 | 705,000 |
| Securities available for sale | 22,785,000 | 23,898,000 | 23,630,000 | 20,012,000 |
| Securities held to maturity | 36,718,000 | 37,222,000 | 39,510,000 | 37,704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,557,000 | 118,960,000 | 121,727,000 | 125,582,000 |
| Interest-bearing deposits | 97,522,000 | 90,542,000 | 92,672,000 | 95,787,000 |
| Noninterest-bearing deposits | 26,035,000 | 28,418,000 | 29,055,000 | 29,795,000 |
| Equity capital | 15,306,000 | 14,835,000 | 15,358,000 | 15,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,123,000 | 4,310,000 | 6,576,000 | 8,758,000 |
| Interest expense | 882,000 | 1,663,000 | 2,401,000 | 3,084,000 |
| Net interest income | 1,241,000 | 2,647,000 | 4,175,000 | 5,674,000 |
| Noninterest income | 517,000 | 995,000 | 1,494,000 | 2,020,000 |
| Noninterest expense | 1,326,000 | 2,683,000 | 4,059,000 | 5,466,000 |
| Provision for loan losses | 0 | 0 | 0 | 140,000 |
| Pretax income | 434,000 | 961,000 | 1,612,000 | 2,155,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 434,000 | 961,000 | 1,612,000 | 2,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,833,000 | 14,944,000 | 15,178,000 | 15,444,000 |
| Total capital | 15,454,000 | 15,554,000 | 15,772,000 | 16,149,000 |
| Risk-weighted assets | 105,482,000 | 106,904,000 | 113,875,000 | 114,186,000 |