Call reports 2021
CITIZENS BANK & TRUST COMPANY OF ARDMORE — 2021
What CITIZENS BANK & TRUST COMPANY OF ARDMORE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 275,927,000 | 280,088,000 | 282,244,000 | 290,963,000 |
| Total loans | 151,105,000 | 146,127,000 | 145,108,000 | 143,925,000 |
| Allowance for loan losses | 1,563,000 | 1,564,000 | 1,565,000 | 1,565,000 |
| Securities available for sale | 60,703,000 | 68,592,000 | 72,323,000 | 78,375,000 |
| Securities held to maturity | 27,306,000 | 32,047,000 | 33,876,000 | 36,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,438,000 | 231,326,000 | 232,312,000 | 240,984,000 |
| Interest-bearing deposits | 161,489,000 | 162,340,000 | 160,889,000 | 166,051,000 |
| Noninterest-bearing deposits | 66,949,000 | 68,986,000 | 71,423,000 | 74,933,000 |
| Equity capital | 22,821,000 | 23,313,000 | 23,862,000 | 22,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,528,000 | 4,689,000 | 6,807,000 | 8,920,000 |
| Interest expense | 243,000 | 471,000 | 684,000 | 889,000 |
| Net interest income | 2,285,000 | 4,218,000 | 6,123,000 | 8,031,000 |
| Noninterest income | 392,000 | 821,000 | 1,256,000 | 1,718,000 |
| Noninterest expense | 1,792,000 | 3,563,000 | 5,369,000 | 7,120,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 885,000 | 1,488,000 | 2,041,000 | 2,660,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 885,000 | 1,488,000 | 2,041,000 | 2,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,441,000 | 22,762,000 | 23,034,000 | 22,349,000 |
| Total capital | — | — | 24,599,000 | 23,914,000 |
| Risk-weighted assets | — | — | 157,332,000 | 157,551,000 |