Call reports 2016
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2016
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 203,197,000 | 204,859,000 | 201,693,000 | 201,723,000 |
| Total loans | 108,329,000 | 111,423,000 | 119,768,000 | 126,207,000 |
| Allowance for loan losses | 1,010,000 | 1,050,000 | 1,094,000 | 1,211,000 |
| Securities available for sale | 39,342,000 | 39,390,000 | 33,468,000 | 26,783,000 |
| Securities held to maturity | 34,217,000 | 32,856,000 | 30,080,000 | 30,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,923,000 | 163,239,000 | 159,444,000 | 160,307,000 |
| Interest-bearing deposits | 116,363,000 | 114,082,000 | 111,084,000 | 112,736,000 |
| Noninterest-bearing deposits | 50,560,000 | 49,157,000 | 48,360,000 | 47,571,000 |
| Equity capital | 19,504,000 | 20,349,000 | 20,701,000 | 19,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,631,000 | 3,314,000 | 5,024,000 | 6,925,000 |
| Interest expense | 96,000 | 200,000 | 314,000 | 441,000 |
| Net interest income | 1,535,000 | 3,114,000 | 4,710,000 | 6,484,000 |
| Noninterest income | 407,000 | 1,324,000 | 1,741,000 | 2,137,000 |
| Noninterest expense | 1,447,000 | 2,961,000 | 4,438,000 | 5,969,000 |
| Provision for loan losses | 14,000 | 59,000 | 104,000 | 214,000 |
| Pretax income | 487,000 | 1,429,000 | 1,967,000 | 2,509,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 487,000 | 1,429,000 | 1,967,000 | 2,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,236,000 | 19,900,000 | 20,383,000 | 19,537,000 |
| Total capital | 20,246,000 | 20,950,000 | 21,477,000 | 20,748,000 |
| Risk-weighted assets | 127,438,000 | 131,440,000 | 132,029,000 | 136,602,000 |