Call reports 2008
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2008
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,281,000 | 108,586,000 | 108,715,000 | 110,291,000 |
| Total loans | 39,689,000 | 40,286,000 | 41,234,000 | 42,001,000 |
| Allowance for loan losses | 420,000 | 413,000 | 443,000 | 441,000 |
| Securities available for sale | 56,356,000 | 58,541,000 | 58,513,000 | 57,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,832,000 | 82,497,000 | 80,269,000 | 84,152,000 |
| Interest-bearing deposits | 70,302,000 | 69,678,000 | 68,009,000 | 71,341,000 |
| Noninterest-bearing deposits | 12,530,000 | 12,819,000 | 12,260,000 | 12,811,000 |
| Equity capital | 11,131,000 | 10,420,000 | 10,579,000 | 11,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,517,000 | 3,008,000 | 4,506,000 | 5,991,000 |
| Interest expense | 674,000 | 1,270,000 | 1,810,000 | 2,349,000 |
| Net interest income | 843,000 | 1,738,000 | 2,696,000 | 3,642,000 |
| Noninterest income | 201,000 | 420,000 | 659,000 | 879,000 |
| Noninterest expense | 697,000 | 1,400,000 | 2,106,000 | 2,806,000 |
| Provision for loan losses | 10,000 | 10,000 | 55,000 | 100,000 |
| Pretax income | 358,000 | 770,000 | 1,217,000 | 1,645,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 358,000 | 770,000 | 1,217,000 | 1,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,497,000 | 10,635,000 | 10,838,000 | 10,883,000 |
| Total capital | 10,917,000 | 11,048,000 | 11,281,000 | 11,324,000 |
| Risk-weighted assets | 59,833,000 | 62,645,000 | 63,969,000 | 64,735,000 |