Call reports 2011
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2011
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 184,793,000 | 201,608,000 | 185,010,000 | 185,553,000 |
| Total loans | 90,758,000 | 89,887,000 | 89,159,000 | 91,574,000 |
| Allowance for loan losses | 912,000 | 901,000 | 906,000 | 912,000 |
| Securities available for sale | 28,261,000 | 25,429,000 | 26,163,000 | 26,137,000 |
| Securities held to maturity | 43,228,000 | 45,134,000 | 46,796,000 | 43,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,185,000 | 162,102,000 | 142,103,000 | 149,742,000 |
| Interest-bearing deposits | 110,746,000 | 125,986,000 | 105,448,000 | 112,210,000 |
| Noninterest-bearing deposits | 34,439,000 | 36,116,000 | 36,655,000 | 37,532,000 |
| Equity capital | 17,842,000 | 18,256,000 | 18,696,000 | 18,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,870,000 | 3,735,000 | 5,552,000 | 7,343,000 |
| Interest expense | 231,000 | 466,000 | 681,000 | 876,000 |
| Net interest income | 1,639,000 | 3,269,000 | 4,871,000 | 6,467,000 |
| Noninterest income | 446,000 | 899,000 | 1,382,000 | 1,929,000 |
| Noninterest expense | 1,494,000 | 3,029,000 | 4,580,000 | 6,126,000 |
| Provision for loan losses | 10,000 | 10,000 | 20,000 | 65,000 |
| Pretax income | 581,000 | 1,131,000 | 1,655,000 | 2,209,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 581,000 | 1,131,000 | 1,655,000 | 2,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,217,000 | 17,490,000 | 17,736,000 | 17,486,000 |
| Total capital | 18,129,000 | 18,391,000 | 18,642,000 | 18,398,000 |
| Risk-weighted assets | 111,508,000 | 114,442,000 | 109,357,000 | 110,796,000 |