Call reports 2011
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2011
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 113,877,000 | 111,609,000 | 108,514,000 | 112,754,000 |
| Total loans | 34,001,000 | 34,619,000 | 33,429,000 | 33,542,000 |
| Allowance for loan losses | 456,000 | 448,000 | 478,000 | 471,000 |
| Securities available for sale | 67,945,000 | 69,200,000 | 66,693,000 | 68,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,645,000 | 89,301,000 | 87,011,000 | 91,701,000 |
| Interest-bearing deposits | 79,547,000 | 76,437,000 | 73,785,000 | 77,861,000 |
| Noninterest-bearing deposits | 13,098,000 | 12,864,000 | 13,226,000 | 13,840,000 |
| Equity capital | 11,054,000 | 11,682,000 | 11,941,000 | 11,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,134,000 | 2,289,000 | 3,422,000 | 4,504,000 |
| Interest expense | 329,000 | 634,000 | 925,000 | 1,218,000 |
| Net interest income | 805,000 | 1,655,000 | 2,497,000 | 3,286,000 |
| Noninterest income | 154,000 | 347,000 | 540,000 | 728,000 |
| Noninterest expense | 722,000 | 1,450,000 | 2,168,000 | 2,884,000 |
| Provision for loan losses | 45,000 | 90,000 | 90,000 | 70,000 |
| Pretax income | 241,000 | 550,000 | 900,000 | 1,117,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 241,000 | 550,000 | 900,000 | 1,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,143,000 | 11,261,000 | 11,405,000 | 11,194,000 |
| Total capital | 11,599,000 | 11,709,000 | 11,883,000 | 11,665,000 |
| Risk-weighted assets | 60,928,000 | 60,207,000 | 58,249,000 | 59,396,000 |