Call reports 2017
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2017
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 212,224,000 | 211,762,000 | 219,487,000 | 219,011,000 |
| Total loans | 130,399,000 | 136,852,000 | 144,290,000 | 150,226,000 |
| Allowance for loan losses | 1,224,000 | 1,286,000 | 1,316,000 | 1,378,000 |
| Securities available for sale | 29,417,000 | 29,704,000 | 30,574,000 | 28,968,000 |
| Securities held to maturity | 29,331,000 | 25,512,000 | 23,655,000 | 21,924,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,997,000 | 160,934,000 | 167,568,000 | 165,683,000 |
| Interest-bearing deposits | 112,799,000 | 107,430,000 | 110,263,000 | 111,876,000 |
| Noninterest-bearing deposits | 50,198,000 | 53,504,000 | 57,305,000 | 53,807,000 |
| Equity capital | 19,594,000 | 20,216,000 | 20,503,000 | 19,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,848,000 | 3,838,000 | 5,852,000 | 7,946,000 |
| Interest expense | 136,000 | 286,000 | 467,000 | 675,000 |
| Net interest income | 1,712,000 | 3,552,000 | 5,385,000 | 7,271,000 |
| Noninterest income | 422,000 | 845,000 | 1,229,000 | 1,656,000 |
| Noninterest expense | 1,575,000 | 3,175,000 | 4,774,000 | 6,337,000 |
| Provision for loan losses | 36,000 | 97,000 | 133,000 | 193,000 |
| Pretax income | 523,000 | 1,125,000 | 1,707,000 | 2,397,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 523,000 | 1,125,000 | 1,707,000 | 2,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,853,000 | 20,216,000 | 20,496,000 | 20,089,000 |
| Total capital | 21,077,000 | 21,502,000 | 21,812,000 | 21,467,000 |
| Risk-weighted assets | 142,452,000 | 144,443,000 | 146,580,000 | 149,751,000 |