Call reports 2012
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2012
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 115,207,000 | 114,805,000 | 113,685,000 | 121,666,000 |
| Total loans | 30,708,000 | 32,215,000 | 35,158,000 | 34,035,000 |
| Allowance for loan losses | 471,000 | 473,000 | 462,000 | 463,000 |
| Securities available for sale | 74,633,000 | 74,754,000 | 69,601,000 | 73,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,451,000 | 93,716,000 | 92,814,000 | 101,122,000 |
| Interest-bearing deposits | 79,609,000 | 78,463,000 | 77,466,000 | 84,691,000 |
| Noninterest-bearing deposits | 14,842,000 | 15,253,000 | 15,348,000 | 16,431,000 |
| Equity capital | 10,950,000 | 11,313,000 | 11,321,000 | 10,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,044,000 | 2,071,000 | 3,040,000 | 3,987,000 |
| Interest expense | 290,000 | 569,000 | 835,000 | 1,091,000 |
| Net interest income | 754,000 | 1,502,000 | 2,205,000 | 2,896,000 |
| Noninterest income | 185,000 | 367,000 | 580,000 | 800,000 |
| Noninterest expense | 731,000 | 1,471,000 | 2,176,000 | 2,879,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 472,000 | 714,000 | 930,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 211,000 | 472,000 | 714,000 | 930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,114,000 | 11,234,000 | 11,375,000 | 11,366,000 |
| Total capital | 11,585,000 | 11,707,000 | 11,837,000 | 11,829,000 |
| Risk-weighted assets | 58,139,000 | 59,176,000 | 59,240,000 | 58,750,000 |