Call reports 2018
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2018
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 225,100,000 | 220,589,000 | 217,060,000 | 220,359,000 |
| Total loans | 145,572,000 | 145,856,000 | 146,023,000 | 149,434,000 |
| Allowance for loan losses | 1,410,000 | 1,425,000 | 1,442,000 | 1,473,000 |
| Securities available for sale | 31,629,000 | 31,718,000 | 31,956,000 | 32,648,000 |
| Securities held to maturity | 21,317,000 | 19,784,000 | 18,904,000 | 18,244,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,082,000 | 168,215,000 | 166,125,000 | 169,290,000 |
| Interest-bearing deposits | 116,003,000 | 114,590,000 | 112,164,000 | 113,700,000 |
| Noninterest-bearing deposits | 58,079,000 | 53,625,000 | 53,961,000 | 55,590,000 |
| Equity capital | 19,853,000 | 20,249,000 | 20,446,000 | 20,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,053,000 | 4,195,000 | 6,351,000 | 8,552,000 |
| Interest expense | 219,000 | 466,000 | 731,000 | 1,013,000 |
| Net interest income | 1,834,000 | 3,729,000 | 5,620,000 | 7,539,000 |
| Noninterest income | 404,000 | 943,000 | 1,399,000 | 1,828,000 |
| Noninterest expense | 1,642,000 | 3,361,000 | 5,086,000 | 6,757,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 566,000 | 1,251,000 | 1,843,000 | 2,490,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 566,000 | 1,251,000 | 1,843,000 | 2,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,433,000 | 20,877,000 | 21,191,000 | 20,581,000 |
| Total capital | 21,843,000 | 22,302,000 | 22,633,000 | 22,054,000 |
| Risk-weighted assets | 146,740,000 | 146,205,000 | 144,388,000 | 147,322,000 |