Call reports 2004
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2004
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 112,052,000 | 109,371,000 | 108,208,000 | 107,851,000 |
| Total loans | 41,170,000 | 40,344,000 | 40,935,000 | 41,525,000 |
| Allowance for loan losses | 397,000 | 405,000 | 392,000 | 395,000 |
| Securities available for sale | 62,164,000 | 61,361,000 | 59,886,000 | 56,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,050,000 | 84,514,000 | 81,774,000 | 83,705,000 |
| Interest-bearing deposits | 75,682,000 | 72,587,000 | 70,378,000 | 71,576,000 |
| Noninterest-bearing deposits | 11,368,000 | 11,927,000 | 11,396,000 | 12,129,000 |
| Equity capital | 9,688,000 | 8,479,000 | 9,407,000 | 9,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,588,000 | 3,903,000 | 5,258,000 |
| Interest expense | 500,000 | 994,000 | 1,499,000 | 2,014,000 |
| Net interest income | 806,000 | 1,594,000 | 2,404,000 | 3,244,000 |
| Noninterest income | 160,000 | 439,000 | 623,000 | 792,000 |
| Noninterest expense | 604,000 | 1,242,000 | 1,875,000 | 2,494,000 |
| Provision for loan losses | 5,000 | 25,000 | 35,000 | 50,000 |
| Pretax income | 424,000 | 898,000 | 1,277,000 | 1,673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 424,000 | 898,000 | 1,277,000 | 1,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,560,000 | 8,812,000 | 8,955,000 | 8,980,000 |
| Total capital | 8,957,000 | 9,217,000 | 9,347,000 | 9,375,000 |
| Risk-weighted assets | 59,559,000 | 58,526,000 | 58,273,000 | 60,795,000 |