Call reports 2015
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2015
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 210,610,000 | 202,735,000 | 200,139,000 | 200,238,000 |
| Total loans | 94,907,000 | 98,103,000 | 99,381,000 | 103,647,000 |
| Allowance for loan losses | 939,000 | 956,000 | 967,000 | 994,000 |
| Securities available for sale | 45,447,000 | 44,208,000 | 39,768,000 | 38,664,000 |
| Securities held to maturity | 41,249,000 | 39,598,000 | 38,478,000 | 35,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,477,000 | 168,008,000 | 166,956,000 | 164,480,000 |
| Interest-bearing deposits | 123,323,000 | 115,231,000 | 115,644,000 | 114,089,000 |
| Noninterest-bearing deposits | 52,154,000 | 52,777,000 | 51,312,000 | 50,391,000 |
| Equity capital | 19,030,000 | 19,182,000 | 19,531,000 | 18,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,587,000 | 3,223,000 | 4,839,000 | 6,473,000 |
| Interest expense | 74,000 | 146,000 | 224,000 | 311,000 |
| Net interest income | 1,513,000 | 3,077,000 | 4,615,000 | 6,162,000 |
| Noninterest income | 427,000 | 843,000 | 1,281,000 | 1,708,000 |
| Noninterest expense | 1,423,000 | 2,857,000 | 4,304,000 | 5,716,000 |
| Provision for loan losses | 10,000 | 25,000 | 35,000 | 65,000 |
| Pretax income | 507,000 | 1,038,000 | 1,575,000 | 2,106,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 507,000 | 1,038,000 | 1,575,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,829,000 | 19,116,000 | 19,375,000 | 18,957,000 |
| Total capital | 19,768,000 | 20,072,000 | 20,342,000 | 19,951,000 |
| Risk-weighted assets | 123,303,000 | 125,502,000 | 123,008,000 | 124,779,000 |