Call reports 2009
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2009
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 177,473,000 | 171,805,000 | 168,479,000 | 171,200,000 |
| Total loans | 91,810,000 | 89,833,000 | 90,015,000 | 91,176,000 |
| Allowance for loan losses | 705,000 | 692,000 | 753,000 | 825,000 |
| Securities available for sale | 21,200,000 | 24,184,000 | 23,064,000 | 20,720,000 |
| Securities held to maturity | 37,688,000 | 35,322,000 | 33,146,000 | 32,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,397,000 | 132,322,000 | 128,286,000 | 130,763,000 |
| Interest-bearing deposits | 102,607,000 | 102,930,000 | 99,052,000 | 99,715,000 |
| Noninterest-bearing deposits | 30,790,000 | 29,392,000 | 29,234,000 | 31,048,000 |
| Equity capital | 16,369,000 | 16,441,000 | 16,921,000 | 16,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,104,000 | 4,115,000 | 6,110,000 | 8,054,000 |
| Interest expense | 544,000 | 1,027,000 | 1,482,000 | 1,918,000 |
| Net interest income | 1,560,000 | 3,088,000 | 4,628,000 | 6,136,000 |
| Noninterest income | 469,000 | 951,000 | 1,321,000 | 1,753,000 |
| Noninterest expense | 1,486,000 | 3,061,000 | 4,458,000 | 5,824,000 |
| Provision for loan losses | 40,000 | 70,000 | 140,000 | 260,000 |
| Pretax income | 503,000 | 908,000 | 1,351,000 | 1,899,000 |
| Income tax | 0 | 0 | 0 | 21,000 |
| Net income | 503,000 | 908,000 | 1,351,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,808,000 | 16,005,000 | 16,227,000 | 16,198,000 |
| Total capital | 16,513,000 | 16,697,000 | 16,980,000 | 17,023,000 |
| Risk-weighted assets | 114,810,000 | 112,868,000 | 122,242,000 | 114,603,000 |