Call reports 2001
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2001
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 117,257,000 | 112,655,000 | 115,292,000 | 117,297,000 |
| Total loans | 52,898,000 | 51,911,000 | 49,837,000 | 53,038,000 |
| Allowance for loan losses | 1,059,000 | 1,073,000 | 1,069,000 | 1,008,000 |
| Securities available for sale | 16,835,000 | 18,208,000 | 24,807,000 | 22,900,000 |
| Securities held to maturity | 30,611,000 | 31,078,000 | 34,098,000 | 32,893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,904,000 | 83,090,000 | 83,521,000 | 84,807,000 |
| Interest-bearing deposits | 67,008,000 | 63,750,000 | 64,786,000 | 64,470,000 |
| Noninterest-bearing deposits | 19,896,000 | 19,340,000 | 18,735,000 | 20,337,000 |
| Equity capital | 11,524,000 | 11,921,000 | 12,502,000 | 12,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,058,000 | 4,041,000 | 6,003,000 | 7,921,000 |
| Interest expense | 953,000 | 1,838,000 | 2,654,000 | 3,332,000 |
| Net interest income | 1,105,000 | 2,203,000 | 3,349,000 | 4,589,000 |
| Noninterest income | 272,000 | 573,000 | 885,000 | 1,197,000 |
| Noninterest expense | 1,051,000 | 2,114,000 | 3,219,000 | 4,357,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | 342,000 | 648,000 | 991,000 | 1,405,000 |
| Income tax | 69,000 | 106,000 | 106,000 | 161,000 |
| Net income | 273,000 | 542,000 | 885,000 | 1,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,304,000 | 11,785,000 | 12,129,000 | 11,868,000 |
| Total capital | 12,162,000 | 12,581,000 | 12,895,000 | 12,647,000 |
| Risk-weighted assets | 68,445,000 | 63,389,000 | 60,974,000 | 62,077,000 |