Call reports 2020
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2020
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 233,688,000 | 256,790,000 | 253,851,000 | 251,364,000 |
| Total loans | 152,757,000 | 159,769,000 | 157,946,000 | 148,003,000 |
| Allowance for loan losses | 1,544,000 | 1,607,000 | 1,628,000 | 1,640,000 |
| Securities available for sale | 34,187,000 | 40,418,000 | 43,990,000 | 47,985,000 |
| Securities held to maturity | 16,123,000 | 15,291,000 | 17,949,000 | 20,719,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,873,000 | 203,513,000 | 199,259,000 | 202,472,000 |
| Interest-bearing deposits | 133,351,000 | 145,596,000 | 140,530,000 | 144,203,000 |
| Noninterest-bearing deposits | 51,522,000 | 57,917,000 | 58,729,000 | 58,269,000 |
| Equity capital | 21,539,000 | 23,549,000 | 24,225,000 | 23,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,361,000 | 5,138,000 | 7,422,000 | 9,479,000 |
| Interest expense | 370,000 | 720,000 | 1,019,000 | 1,292,000 |
| Net interest income | 1,991,000 | 4,418,000 | 6,403,000 | 8,187,000 |
| Noninterest income | 433,000 | 797,000 | 1,423,000 | 1,878,000 |
| Noninterest expense | 1,735,000 | 3,464,000 | 5,270,000 | 6,982,000 |
| Provision for loan losses | 0 | 60,000 | 80,000 | 90,000 |
| Pretax income | 691,000 | 1,716,000 | 2,501,000 | 3,018,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 691,000 | 1,716,000 | 2,501,000 | 3,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,625,000 | 22,406,000 | 22,913,000 | 21,742,000 |