Call reports 2025
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2025
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 318,713,000 | 321,793,000 | 318,089,000 | 320,261,000 |
| Total loans | 200,406,000 | 200,721,000 | 203,245,000 | 203,690,000 |
| Allowance for loan losses | 2,000,000 | 2,015,000 | 2,046,000 | 2,071,000 |
| Securities available for sale | 58,567,000 | 59,416,000 | 60,367,000 | 57,960,000 |
| Securities held to maturity | 31,920,000 | 32,360,000 | 31,975,000 | 30,887,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,164,000 | 271,445,000 | 267,600,000 | 272,824,000 |
| Interest-bearing deposits | 208,506,000 | 206,811,000 | 202,930,000 | 206,206,000 |
| Noninterest-bearing deposits | 64,658,000 | 64,634,000 | 64,670,000 | 66,618,000 |
| Equity capital | 25,614,000 | 26,945,000 | 29,247,000 | 28,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,661,000 | 7,477,000 | 11,318,000 | 15,182,000 |
| Interest expense | 1,153,000 | 2,290,000 | 3,406,000 | 4,526,000 |
| Net interest income | 2,508,000 | 5,187,000 | 7,912,000 | 10,656,000 |
| Noninterest income | 498,000 | 1,212,000 | 1,732,000 | 2,277,000 |
| Noninterest expense | 1,893,000 | 3,900,000 | 5,844,000 | 7,801,000 |
| Provision for loan losses | 5,000 | 20,000 | 50,000 | 75,000 |
| Pretax income | 1,108,000 | 2,479,000 | 3,750,000 | 5,057,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,108,000 | 2,479,000 | 3,750,000 | 5,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,765,000 | 32,819,000 | 33,756,000 | 32,982,000 |
| Total capital | 33,765,000 | 34,834,000 | 35,802,000 | 35,053,000 |
| Risk-weighted assets | 202,216,000 | 203,836,000 | 202,180,000 | 205,102,000 |