Call reports 2013
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2013
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 193,989,000 | 189,862,000 | 189,220,000 | 196,230,000 |
| Total loans | 86,461,000 | 86,412,000 | 87,400,000 | 89,657,000 |
| Allowance for loan losses | 885,000 | 895,000 | 922,000 | 921,000 |
| Securities available for sale | 35,107,000 | 34,803,000 | 34,123,000 | 33,147,000 |
| Securities held to maturity | 47,117,000 | 49,384,000 | 47,111,000 | 46,513,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,559,000 | 156,299,000 | 158,090,000 | 166,297,000 |
| Interest-bearing deposits | 116,389,000 | 111,185,000 | 111,324,000 | 116,478,000 |
| Noninterest-bearing deposits | 46,170,000 | 45,114,000 | 46,766,000 | 49,819,000 |
| Equity capital | 18,605,000 | 17,936,000 | 17,641,000 | 17,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,554,000 | 3,106,000 | 4,680,000 | 6,321,000 |
| Interest expense | 106,000 | 208,000 | 303,000 | 400,000 |
| Net interest income | 1,448,000 | 2,898,000 | 4,377,000 | 5,921,000 |
| Noninterest income | 448,000 | 891,000 | 1,346,000 | 1,810,000 |
| Noninterest expense | 1,501,000 | 3,005,000 | 4,537,000 | 5,943,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 395,000 | 806,000 | 1,214,000 | 1,816,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 395,000 | 806,000 | 1,214,000 | 1,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,107,000 | 18,239,000 | 18,307,000 | 18,220,000 |
| Total capital | 18,992,000 | 19,134,000 | 19,229,000 | 19,141,000 |
| Risk-weighted assets | 108,084,000 | 108,054,000 | 106,966,000 | 111,063,000 |