Call reports 2014
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2014
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 116,482,000 | 113,030,000 | 117,181,000 | 114,467,000 |
| Total loans | 34,619,000 | 36,651,000 | 37,750,000 | 38,488,000 |
| Allowance for loan losses | 376,000 | 370,000 | 371,000 | 406,000 |
| Securities available for sale | 68,547,000 | 67,571,000 | 65,998,000 | 66,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,272,000 | 96,152,000 | 99,724,000 | 97,211,000 |
| Interest-bearing deposits | 80,549,000 | 76,330,000 | 72,989,000 | 77,856,000 |
| Noninterest-bearing deposits | 19,723,000 | 19,822,000 | 26,735,000 | 19,355,000 |
| Equity capital | 11,120,000 | 11,777,000 | 11,930,000 | 11,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 935,000 | 1,885,000 | 2,856,000 | 3,824,000 |
| Interest expense | 167,000 | 325,000 | 480,000 | 640,000 |
| Net interest income | 768,000 | 1,560,000 | 2,376,000 | 3,184,000 |
| Noninterest income | 178,000 | 373,000 | 571,000 | 897,000 |
| Noninterest expense | 688,000 | 1,365,000 | 2,060,000 | 2,667,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 243,000 | 630,000 | 931,000 | 1,417,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 243,000 | 630,000 | 931,000 | 1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,870,000 | 12,095,000 | 12,235,000 | 12,329,000 |
| Total capital | 12,246,000 | 12,465,000 | 12,606,000 | 12,735,000 |
| Risk-weighted assets | 57,485,000 | 59,240,000 | 60,121,000 | 59,781,000 |