Call reports 2002
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2002
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 122,537,000 | 118,752,000 | 118,245,000 | 116,236,000 |
| Total loans | 50,307,000 | 50,482,000 | 52,023,000 | 54,246,000 |
| Allowance for loan losses | 975,000 | 956,000 | 926,000 | 923,000 |
| Securities available for sale | 24,916,000 | 27,517,000 | 25,875,000 | 23,305,000 |
| Securities held to maturity | 31,923,000 | 32,146,000 | 31,120,000 | 27,720,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,180,000 | 85,239,000 | 82,243,000 | 82,547,000 |
| Interest-bearing deposits | 69,270,000 | 65,634,000 | 63,742,000 | 62,667,000 |
| Noninterest-bearing deposits | 19,910,000 | 19,605,000 | 18,501,000 | 19,880,000 |
| Equity capital | 12,348,000 | 13,074,000 | 13,686,000 | 12,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,823,000 | 3,627,000 | 5,392,000 | 7,079,000 |
| Interest expense | 566,000 | 1,082,000 | 1,563,000 | 2,001,000 |
| Net interest income | 1,257,000 | 2,545,000 | 3,829,000 | 5,078,000 |
| Noninterest income | 321,000 | 628,000 | 979,000 | 1,279,000 |
| Noninterest expense | 1,107,000 | 2,256,000 | 3,405,000 | 4,580,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 471,000 | 941,000 | 1,430,000 | 1,805,000 |
| Income tax | 75,000 | 200,000 | 343,000 | 421,000 |
| Net income | 396,000 | 741,000 | 1,087,000 | 1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,264,000 | 12,657,000 | 12,989,000 | 12,402,000 |
| Total capital | 13,069,000 | 13,419,000 | 13,745,000 | 13,227,000 |
| Risk-weighted assets | 64,194,000 | 60,735,000 | 60,285,000 | 65,867,000 |