Call reports 2010
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2010
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 118,720,000 | 113,437,000 | 111,656,000 | 115,717,000 |
| Total loans | 36,730,000 | 37,796,000 | 37,102,000 | 36,872,000 |
| Allowance for loan losses | 427,000 | 438,000 | 450,000 | 429,000 |
| Securities available for sale | 69,273,000 | 68,180,000 | 66,130,000 | 66,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,392,000 | 90,320,000 | 87,630,000 | 92,477,000 |
| Interest-bearing deposits | 80,064,000 | 77,480,000 | 75,442,000 | 79,526,000 |
| Noninterest-bearing deposits | 13,328,000 | 12,840,000 | 12,188,000 | 12,951,000 |
| Equity capital | 11,501,000 | 11,492,000 | 11,988,000 | 11,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,297,000 | 2,571,000 | 3,825,000 | 5,022,000 |
| Interest expense | 430,000 | 834,000 | 1,194,000 | 1,546,000 |
| Net interest income | 867,000 | 1,737,000 | 2,631,000 | 3,476,000 |
| Noninterest income | 163,000 | 355,000 | 539,000 | 725,000 |
| Noninterest expense | 711,000 | 1,429,000 | 2,151,000 | 2,889,000 |
| Provision for loan losses | 20,000 | 78,000 | 88,000 | 88,000 |
| Pretax income | 305,000 | 651,000 | 1,000,000 | 1,295,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 305,000 | 651,000 | 1,000,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,079,000 | 11,192,000 | 11,318,000 | 11,186,000 |
| Total capital | 11,506,000 | 11,630,000 | 11,768,000 | 11,615,000 |
| Risk-weighted assets | 64,075,000 | 62,484,000 | 61,390,000 | 61,891,000 |