Call reports 2010
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2010
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 177,903,000 | 175,783,000 | 176,726,000 | 182,290,000 |
| Total loans | 89,082,000 | 88,244,000 | 86,659,000 | 89,155,000 |
| Allowance for loan losses | 918,000 | 920,000 | 911,000 | 898,000 |
| Securities available for sale | 28,544,000 | 29,531,000 | 27,474,000 | 26,401,000 |
| Securities held to maturity | 33,297,000 | 36,561,000 | 38,044,000 | 39,385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,146,000 | 138,672,000 | 139,622,000 | 147,023,000 |
| Interest-bearing deposits | 106,383,000 | 104,379,000 | 107,122,000 | 108,644,000 |
| Noninterest-bearing deposits | 30,763,000 | 34,293,000 | 32,500,000 | 38,379,000 |
| Equity capital | 17,058,000 | 17,409,000 | 17,911,000 | 17,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,894,000 | 3,812,000 | 5,701,000 | 7,567,000 |
| Interest expense | 407,000 | 787,000 | 1,132,000 | 1,406,000 |
| Net interest income | 1,487,000 | 3,025,000 | 4,569,000 | 6,161,000 |
| Noninterest income | 452,000 | 910,000 | 1,381,000 | 1,848,000 |
| Noninterest expense | 1,467,000 | 2,979,000 | 4,463,000 | 5,927,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 115,000 |
| Pretax income | 372,000 | 873,000 | 1,404,000 | 1,984,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 372,000 | 873,000 | 1,404,000 | 1,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,431,000 | 16,710,000 | 17,006,000 | 16,913,000 |
| Total capital | 17,349,000 | 17,630,000 | 17,917,000 | 17,811,000 |
| Risk-weighted assets | 110,798,000 | 109,686,000 | 106,948,000 | 109,981,000 |