Call reports 2012
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2012
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 195,685,000 | 187,746,000 | 184,889,000 | 190,110,000 |
| Total loans | 87,836,000 | 84,783,000 | 83,977,000 | 86,297,000 |
| Allowance for loan losses | 916,000 | 823,000 | 828,000 | 862,000 |
| Securities available for sale | 28,634,000 | 28,682,000 | 30,851,000 | 33,522,000 |
| Securities held to maturity | 51,335,000 | 52,006,000 | 49,647,000 | 49,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,480,000 | 149,423,000 | 149,836,000 | 157,714,000 |
| Interest-bearing deposits | 114,618,000 | 108,528,000 | 107,013,000 | 112,686,000 |
| Noninterest-bearing deposits | 41,862,000 | 40,895,000 | 42,823,000 | 45,028,000 |
| Equity capital | 18,657,000 | 18,835,000 | 18,914,000 | 18,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,756,000 | 3,508,000 | 5,143,000 | 6,704,000 |
| Interest expense | 155,000 | 299,000 | 435,000 | 557,000 |
| Net interest income | 1,601,000 | 3,209,000 | 4,708,000 | 6,147,000 |
| Noninterest income | 447,000 | 877,000 | 1,332,000 | 1,814,000 |
| Noninterest expense | 1,566,000 | 3,144,000 | 4,728,000 | 6,173,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 35,000 |
| Pretax income | 482,000 | 932,000 | 1,370,000 | 1,857,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 482,000 | 932,000 | 1,370,000 | 1,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,829,000 | 18,030,000 | 18,196,000 | 17,989,000 |
| Total capital | 18,745,000 | 18,853,000 | 19,024,000 | 18,851,000 |
| Risk-weighted assets | 110,023,000 | 106,046,000 | 104,306,000 | 106,909,000 |