Call reports 2023
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2023
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 304,515,000 | 309,669,000 | 315,860,000 | 315,576,000 |
| Total loans | 171,157,000 | 175,607,000 | 186,267,000 | 188,174,000 |
| Allowance for loan losses | 1,686,000 | 1,703,000 | 1,720,000 | 1,801,000 |
| Securities available for sale | 64,399,000 | 63,981,000 | 61,800,000 | 62,908,000 |
| Securities held to maturity | 39,409,000 | 38,307,000 | 36,291,000 | 36,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,190,000 | 245,654,000 | 245,050,000 | 253,937,000 |
| Interest-bearing deposits | 191,667,000 | 181,889,000 | 183,123,000 | 189,961,000 |
| Noninterest-bearing deposits | 66,523,000 | 63,765,000 | 61,927,000 | 63,976,000 |
| Equity capital | 16,291,000 | 17,031,000 | 16,747,000 | 18,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,720,000 | 5,514,000 | 8,501,000 | 11,797,000 |
| Interest expense | 413,000 | 1,026,000 | 1,978,000 | 3,090,000 |
| Net interest income | 2,307,000 | 4,488,000 | 6,523,000 | 8,707,000 |
| Noninterest income | 467,000 | 962,000 | 1,471,000 | 2,018,000 |
| Noninterest expense | 1,988,000 | 3,889,000 | 5,690,000 | 7,498,000 |
| Provision for loan losses | 15,000 | 32,000 | 49,000 | 130,000 |
| Pretax income | 771,000 | 1,529,000 | 2,255,000 | 3,097,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 771,000 | 1,529,000 | 2,255,000 | 3,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,252,000 | 25,706,000 | 26,015,000 | 26,125,000 |
| Total capital | 26,938,000 | 27,409,000 | 27,735,000 | 27,926,000 |
| Risk-weighted assets | 178,558,000 | 183,093,000 | 192,567,000 | 195,794,000 |