Call reports 2003
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2003
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 99,654,000 | 97,909,000 | 100,333,000 | 108,810,000 |
| Total loans | 39,649,000 | 39,057,000 | 39,315,000 | 40,820,000 |
| Allowance for loan losses | 420,000 | 415,000 | 443,000 | 416,000 |
| Securities available for sale | 52,151,000 | 51,913,000 | 54,491,000 | 60,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,974,000 | 78,011,000 | 79,808,000 | 83,918,000 |
| Interest-bearing deposits | 69,510,000 | 67,689,000 | 68,580,000 | 72,378,000 |
| Noninterest-bearing deposits | 10,464,000 | 10,322,000 | 11,228,000 | 11,540,000 |
| Equity capital | 9,090,000 | 9,341,000 | 9,171,000 | 9,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,272,000 | 2,482,000 | 3,640,000 | 4,838,000 |
| Interest expense | 575,000 | 1,118,000 | 1,604,000 | 2,077,000 |
| Net interest income | 697,000 | 1,364,000 | 2,036,000 | 2,761,000 |
| Noninterest income | 162,000 | 316,000 | 484,000 | 652,000 |
| Noninterest expense | 561,000 | 1,118,000 | 1,674,000 | 2,274,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 308,000 | 602,000 | 893,000 | 1,227,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 308,000 | 602,000 | 893,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,136,000 | 8,295,000 | 8,409,000 | 8,402,000 |
| Total capital | 8,556,000 | 8,710,000 | 8,852,000 | 8,818,000 |
| Risk-weighted assets | 52,438,000 | 52,668,000 | 53,923,000 | 58,175,000 |