Call reports 2014
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2014
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 206,574,000 | 200,319,000 | 199,086,000 | 205,079,000 |
| Total loans | 94,429,000 | 95,284,000 | 94,536,000 | 94,711,000 |
| Allowance for loan losses | 928,000 | 947,000 | 955,000 | 968,000 |
| Securities available for sale | 39,835,000 | 39,279,000 | 38,537,000 | 40,770,000 |
| Securities held to maturity | 45,680,000 | 41,787,000 | 41,303,000 | 40,047,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,686,000 | 166,064,000 | 167,709,000 | 172,552,000 |
| Interest-bearing deposits | 121,931,000 | 114,759,000 | 114,285,000 | 118,531,000 |
| Noninterest-bearing deposits | 51,755,000 | 51,305,000 | 53,424,000 | 54,021,000 |
| Equity capital | 17,939,000 | 18,547,000 | 18,817,000 | 18,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,511,000 | 3,161,000 | 4,782,000 | 6,398,000 |
| Interest expense | 88,000 | 170,000 | 247,000 | 326,000 |
| Net interest income | 1,423,000 | 2,991,000 | 4,535,000 | 6,072,000 |
| Noninterest income | 440,000 | 872,000 | 1,308,000 | 1,733,000 |
| Noninterest expense | 1,441,000 | 2,900,000 | 4,335,000 | 5,779,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 25,000 |
| Pretax income | 434,000 | 999,000 | 1,544,000 | 2,052,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 434,000 | 999,000 | 1,544,000 | 2,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,468,000 | 18,756,000 | 19,024,000 | 18,566,000 |
| Total capital | 19,396,000 | 19,703,000 | 19,979,000 | 19,534,000 |
| Risk-weighted assets | 116,910,000 | 114,826,000 | 111,901,000 | 113,180,000 |