Call reports 2001
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2001
What CITIZENS BANK AND TRUST OF LEBANON, INC. 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 | 90,417,000 | 86,337,000 | 87,147,000 | 91,024,000 |
| Total loans | 39,889,000 | 40,952,000 | 42,321,000 | 41,195,000 |
| Allowance for loan losses | 455,000 | 448,000 | 437,000 | 402,000 |
| Securities available for sale | 42,517,000 | 39,154,000 | 39,385,000 | 41,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,980,000 | 71,100,000 | 70,660,000 | 74,867,000 |
| Interest-bearing deposits | 67,237,000 | 63,139,000 | 62,017,000 | 65,360,000 |
| Noninterest-bearing deposits | 7,743,000 | 7,961,000 | 8,643,000 | 9,507,000 |
| Equity capital | 8,210,000 | 8,096,000 | 8,370,000 | 7,946,000 |
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 | 1,625,000 | 3,160,000 | 4,628,000 | 6,077,000 |
| Interest expense | 905,000 | 1,787,000 | 2,605,000 | 3,378,000 |
| Net interest income | 720,000 | 1,373,000 | 2,023,000 | 2,699,000 |
| Noninterest income | 162,000 | 312,000 | 457,000 | 594,000 |
| Noninterest expense | 504,000 | 1,011,000 | 1,528,000 | 2,094,000 |
| Provision for loan losses | 0 | 80,000 | 80,000 | 100,000 |
| Pretax income | 413,000 | 755,000 | 1,066,000 | 1,295,000 |
| Income tax | 0 | 10,000 | 14,000 | 15,000 |
| Net income | 413,000 | 745,000 | 1,052,000 | 1,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,523,000 | 7,605,000 | 7,722,000 | 7,628,000 |
| Total capital | 7,978,000 | 8,053,000 | 8,159,000 | 8,030,000 |
| Risk-weighted assets | 49,456,000 | 49,259,000 | 49,503,000 | 48,577,000 |