Call reports 2005
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2005
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 106,869,000 | 104,947,000 | 108,942,000 | 110,899,000 |
| Total loans | 40,472,000 | 40,479,000 | 40,702,000 | 41,275,000 |
| Allowance for loan losses | 407,000 | 393,000 | 391,000 | 388,000 |
| Securities available for sale | 58,015,000 | 56,573,000 | 59,345,000 | 61,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,629,000 | 80,284,000 | 85,341,000 | 88,584,000 |
| Interest-bearing deposits | 71,988,000 | 68,614,000 | 73,184,000 | 75,999,000 |
| Noninterest-bearing deposits | 11,641,000 | 11,670,000 | 12,157,000 | 12,585,000 |
| Equity capital | 8,415,000 | 9,010,000 | 8,915,000 | 8,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,358,000 | 2,742,000 | 4,197,000 | 5,733,000 |
| Interest expense | 513,000 | 1,048,000 | 1,620,000 | 2,247,000 |
| Net interest income | 845,000 | 1,694,000 | 2,577,000 | 3,486,000 |
| Noninterest income | 148,000 | 326,000 | 508,000 | 723,000 |
| Noninterest expense | 621,000 | 1,243,000 | 1,889,000 | 2,528,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 40,000 |
| Pretax income | 386,000 | 803,000 | 1,212,000 | 1,671,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 386,000 | 803,000 | 1,212,000 | 1,671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,039,000 | 9,220,000 | 9,387,000 | 9,471,000 |
| Total capital | 9,446,000 | 9,613,000 | 9,778,000 | 9,859,000 |
| Risk-weighted assets | 60,572,000 | 59,924,000 | 61,676,000 | 62,373,000 |