Call reports 2015
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2015
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 118,195,000 | 120,418,000 | 115,574,000 | 123,599,000 |
| Total loans | 37,672,000 | 39,247,000 | 39,827,000 | 40,841,000 |
| Allowance for loan losses | 416,000 | 415,000 | 417,000 | 382,000 |
| Securities available for sale | 65,365,000 | 64,778,000 | 64,966,000 | 64,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,459,000 | 102,982,000 | 97,721,000 | 106,163,000 |
| Interest-bearing deposits | 78,451,000 | 81,968,000 | 74,374,000 | 84,129,000 |
| Noninterest-bearing deposits | 22,008,000 | 21,014,000 | 23,347,000 | 22,034,000 |
| Equity capital | 12,225,000 | 11,898,000 | 12,438,000 | 12,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,850,000 | 2,802,000 | 3,756,000 |
| Interest expense | 143,000 | 287,000 | 428,000 | 564,000 |
| Net interest income | 804,000 | 1,563,000 | 2,374,000 | 3,192,000 |
| Noninterest income | 232,000 | 415,000 | 609,000 | 792,000 |
| Noninterest expense | 669,000 | 1,326,000 | 1,996,000 | 2,627,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 359,000 | 655,000 | 1,066,000 | 1,467,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 359,000 | 655,000 | 1,066,000 | 1,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,790,000 | 11,776,000 | 12,007,000 | 12,085,000 |
| Total capital | 13,206,000 | 12,191,000 | 12,424,000 | 12,467,000 |
| Risk-weighted assets | 59,016,000 | 61,210,000 | 60,638,000 | 61,567,000 |