Call reports 2016
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2016
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 123,901,000 | 120,920,000 | 119,650,000 | 123,575,000 |
| Total loans | 38,994,000 | 40,534,000 | 40,379,000 | 40,060,000 |
| Allowance for loan losses | 408,000 | 407,000 | 402,000 | 382,000 |
| Securities available for sale | 65,349,000 | 63,592,000 | 64,298,000 | 61,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,104,000 | 102,548,000 | 101,366,000 | 107,827,000 |
| Interest-bearing deposits | 83,733,000 | 79,884,000 | 77,727,000 | 83,517,000 |
| Noninterest-bearing deposits | 22,371,000 | 22,664,000 | 23,639,000 | 24,310,000 |
| Equity capital | 12,642,000 | 13,170,000 | 13,231,000 | 11,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,001,000 | 1,944,000 | 2,888,000 | 3,825,000 |
| Interest expense | 134,000 | 266,000 | 395,000 | 527,000 |
| Net interest income | 867,000 | 1,678,000 | 2,493,000 | 3,298,000 |
| Noninterest income | 152,000 | 308,000 | 489,000 | 662,000 |
| Noninterest expense | 679,000 | 1,367,000 | 2,074,000 | 2,891,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 364,000 | 672,000 | 1,190,000 | 1,352,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 364,000 | 672,000 | 1,190,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,206,000 | 12,298,000 | 12,621,000 | 13,306,000 |
| Total capital | 12,614,000 | 12,705,000 | 13,023,000 | 13,688,000 |
| Risk-weighted assets | 61,652,000 | 61,444,000 | 61,598,000 | 61,153,000 |