Call reports 2002
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2002
What CITIZENS BANK AND TRUST OF LEBANON, INC. 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 | 91,790,000 | 96,039,000 | 95,450,000 | 98,935,000 |
| Total loans | 40,462,000 | 40,577,000 | 41,017,000 | 39,834,000 |
| Allowance for loan losses | 399,000 | 414,000 | 436,000 | 435,000 |
| Securities available for sale | 43,519,000 | 46,564,000 | 47,501,000 | 51,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,367,000 | 80,087,000 | 78,730,000 | 80,494,000 |
| Interest-bearing deposits | 67,047,000 | 68,620,000 | 67,922,000 | 69,762,000 |
| Noninterest-bearing deposits | 9,320,000 | 11,467,000 | 10,808,000 | 10,732,000 |
| Equity capital | 7,710,000 | 8,507,000 | 8,977,000 | 9,029,000 |
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 | 1,315,000 | 2,662,000 | 4,016,000 | 5,311,000 |
| Interest expense | 712,000 | 1,402,000 | 2,056,000 | 2,699,000 |
| Net interest income | 603,000 | 1,260,000 | 1,960,000 | 2,612,000 |
| Noninterest income | 112,000 | 214,000 | 325,000 | 475,000 |
| Noninterest expense | 544,000 | 1,078,000 | 1,599,000 | 2,173,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 269,000 | 496,000 | 790,000 | 1,020,000 |
| Income tax | 0 | 7,000 | 10,000 | 0 |
| Net income | 269,000 | 489,000 | 780,000 | 1,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,626,000 | 7,846,000 | 7,973,000 | 7,966,000 |
| Total capital | 8,025,000 | 8,260,000 | 8,409,000 | 8,401,000 |
| Risk-weighted assets | 47,992,000 | 48,398,000 | 48,280,000 | 49,323,000 |