Call reports 2022
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2022
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 308,032,000 | 303,303,000 | 305,937,000 | 301,954,000 |
| Total loans | 151,531,000 | 157,513,000 | 162,230,000 | 167,711,000 |
| Allowance for loan losses | 1,565,000 | 1,570,000 | 1,580,000 | 1,671,000 |
| Securities available for sale | 80,845,000 | 73,037,000 | 66,448,000 | 64,873,000 |
| Securities held to maturity | 41,418,000 | 40,550,000 | 40,942,000 | 40,375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,350,000 | 260,189,000 | 260,666,000 | 246,260,000 |
| Interest-bearing deposits | 182,966,000 | 181,889,000 | 177,310,000 | 174,234,000 |
| Noninterest-bearing deposits | 78,384,000 | 78,300,000 | 83,356,000 | 72,026,000 |
| Equity capital | 18,308,000 | 14,450,000 | 13,848,000 | 15,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,155,000 | 4,425,000 | 6,907,000 | 9,495,000 |
| Interest expense | 196,000 | 401,000 | 625,000 | 909,000 |
| Net interest income | 1,959,000 | 4,024,000 | 6,282,000 | 8,586,000 |
| Noninterest income | 487,000 | 973,000 | 1,444,000 | 1,904,000 |
| Noninterest expense | 1,867,000 | 3,717,000 | 5,537,000 | 7,348,000 |
| Provision for loan losses | 0 | 5,000 | 15,000 | 40,000 |
| Pretax income | 579,000 | 1,274,000 | 2,168,000 | 3,060,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 579,000 | 1,274,000 | 2,168,000 | 3,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,678,000 | 23,101,000 | 23,712,000 | 24,776,000 |
| Total capital | 24,243,000 | 24,671,000 | 25,292,000 | 26,447,000 |
| Risk-weighted assets | 165,512,000 | 167,125,000 | 171,138,000 | 174,995,000 |