Call reports 2006
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2006
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 108,324,000 | 106,536,000 | 107,453,000 | 106,868,000 |
| Total loans | 39,942,000 | 41,561,000 | 43,882,000 | 42,547,000 |
| Allowance for loan losses | 408,000 | 409,000 | 397,000 | 404,000 |
| Securities available for sale | 58,799,000 | 56,545,000 | 54,948,000 | 54,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,587,000 | 81,466,000 | 82,260,000 | 84,792,000 |
| Interest-bearing deposits | 73,930,000 | 70,062,000 | 69,784,000 | 71,556,000 |
| Noninterest-bearing deposits | 12,657,000 | 11,404,000 | 12,476,000 | 13,236,000 |
| Equity capital | 8,441,000 | 8,331,000 | 9,289,000 | 9,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,540,000 | 3,089,000 | 4,738,000 | 6,386,000 |
| Interest expense | 644,000 | 1,320,000 | 2,081,000 | 2,846,000 |
| Net interest income | 896,000 | 1,769,000 | 2,657,000 | 3,540,000 |
| Noninterest income | 159,000 | 357,000 | 561,000 | 775,000 |
| Noninterest expense | 621,000 | 1,272,000 | 1,950,000 | 2,611,000 |
| Provision for loan losses | 10,000 | 20,000 | 30,000 | 30,000 |
| Pretax income | 424,000 | 834,000 | 1,237,000 | 1,672,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 424,000 | 834,000 | 1,237,000 | 1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,593,000 | 9,757,000 | 9,915,000 | 9,970,000 |
| Total capital | 10,001,000 | 10,166,000 | 10,312,000 | 10,374,000 |
| Risk-weighted assets | 61,360,000 | 62,170,000 | 63,356,000 | 60,929,000 |