Call reports 2019
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2019
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 226,707,000 | 224,259,000 | 219,339,000 | 224,022,000 |
| Total loans | 151,868,000 | 153,310,000 | 151,321,000 | 153,608,000 |
| Allowance for loan losses | 1,508,000 | 1,540,000 | 1,550,000 | 1,543,000 |
| Securities available for sale | 31,305,000 | 30,856,000 | 30,239,000 | 29,411,000 |
| Securities held to maturity | 15,327,000 | 17,016,000 | 16,788,000 | 16,337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,595,000 | 169,581,000 | 171,339,000 | 174,572,000 |
| Interest-bearing deposits | 116,462,000 | 117,184,000 | 120,684,000 | 124,756,000 |
| Noninterest-bearing deposits | 55,133,000 | 52,397,000 | 50,655,000 | 49,816,000 |
| Equity capital | 20,886,000 | 21,704,000 | 22,186,000 | 21,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,297,000 | 4,637,000 | 6,975,000 | 9,334,000 |
| Interest expense | 311,000 | 634,000 | 975,000 | 1,325,000 |
| Net interest income | 1,986,000 | 4,003,000 | 6,000,000 | 8,009,000 |
| Noninterest income | 402,000 | 840,000 | 1,260,000 | 1,684,000 |
| Noninterest expense | 1,727,000 | 3,458,000 | 5,229,000 | 6,972,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 80,000 |
| Pretax income | 631,000 | 1,325,000 | 1,967,000 | 2,647,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 631,000 | 1,325,000 | 1,967,000 | 2,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,045,000 | 21,468,000 | 21,838,000 | 21,116,000 |
| Total capital | 22,553,000 | 23,008,000 | 23,388,000 | 22,659,000 |
| Risk-weighted assets | 150,639,000 | 150,628,000 | 141,982,000 | 146,992,000 |