Call reports 2009
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2009
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 110,494,000 | 110,082,000 | 113,463,000 | 120,759,000 |
| Total loans | 38,826,000 | 39,362,000 | 38,611,000 | 38,076,000 |
| Allowance for loan losses | 452,000 | 454,000 | 427,000 | 414,000 |
| Securities available for sale | 59,848,000 | 62,282,000 | 60,150,000 | 71,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,100,000 | 83,886,000 | 87,344,000 | 95,056,000 |
| Interest-bearing deposits | 72,859,000 | 70,931,000 | 75,334,000 | 81,401,000 |
| Noninterest-bearing deposits | 13,241,000 | 12,955,000 | 12,010,000 | 13,655,000 |
| Equity capital | 11,123,000 | 11,829,000 | 12,090,000 | 11,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,389,000 | 2,785,000 | 4,129,000 | 5,482,000 |
| Interest expense | 486,000 | 951,000 | 1,402,000 | 1,864,000 |
| Net interest income | 903,000 | 1,834,000 | 2,727,000 | 3,618,000 |
| Noninterest income | 154,000 | 337,000 | 552,000 | 806,000 |
| Noninterest expense | 674,000 | 1,405,000 | 2,173,000 | 3,120,000 |
| Provision for loan losses | 12,000 | 51,000 | 171,000 | 291,000 |
| Pretax income | 370,000 | 759,000 | 1,099,000 | 1,273,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 370,000 | 759,000 | 1,099,000 | 1,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,945,000 | 11,097,000 | 11,202,000 | 11,038,000 |
| Total capital | 11,397,000 | 11,551,000 | 11,629,000 | 11,452,000 |
| Risk-weighted assets | 62,442,000 | 63,663,000 | 62,705,000 | 63,873,000 |