Call reports 2013
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2013
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 120,987,000 | 117,389,000 | 112,361,000 | 113,083,000 |
| Total loans | 33,087,000 | 34,691,000 | 34,732,000 | 36,061,000 |
| Allowance for loan losses | 469,000 | 467,000 | 390,000 | 375,000 |
| Securities available for sale | 77,440,000 | 73,826,000 | 67,065,000 | 66,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,069,000 | 99,293,000 | 95,070,000 | 97,199,000 |
| Interest-bearing deposits | 84,371,000 | 81,746,000 | 77,156,000 | 78,170,000 |
| Noninterest-bearing deposits | 17,698,000 | 17,547,000 | 17,914,000 | 19,029,000 |
| Equity capital | 10,336,000 | 9,549,000 | 9,818,000 | 10,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 862,000 | 1,695,000 | 2,535,000 | 3,452,000 |
| Interest expense | 237,000 | 465,000 | 660,000 | 837,000 |
| Net interest income | 625,000 | 1,230,000 | 1,875,000 | 2,615,000 |
| Noninterest income | 172,000 | 335,000 | 518,000 | 698,000 |
| Noninterest expense | 682,000 | 1,222,000 | 1,902,000 | 2,474,000 |
| Provision for loan losses | 0 | 0 | -75,000 | -75,000 |
| Pretax income | 103,000 | 363,000 | 550,000 | 828,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 103,000 | 363,000 | 550,000 | 828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,359,000 | 11,552,000 | 11,672,000 | 11,768,000 |
| Total capital | 11,828,000 | 12,019,000 | 12,062,000 | 12,143,000 |
| Risk-weighted assets | 58,420,000 | 60,121,000 | 58,178,000 | 60,214,000 |