Call reports 2018
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2018
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 124,624,000 | 125,670,000 | 123,619,000 | 125,703,000 |
| Total loans | 41,055,000 | 42,324,000 | 41,645,000 | 41,167,000 |
| Allowance for loan losses | 337,000 | 332,000 | 354,000 | 354,000 |
| Securities available for sale | 65,733,000 | 65,223,000 | 63,551,000 | 64,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,273,000 | 106,234,000 | 102,645,000 | 103,377,000 |
| Interest-bearing deposits | 81,179,000 | 79,592,000 | 77,029,000 | 79,983,000 |
| Noninterest-bearing deposits | 24,094,000 | 26,642,000 | 25,616,000 | 23,394,000 |
| Equity capital | 11,928,000 | 12,001,000 | 12,104,000 | 12,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,001,000 | 2,035,000 | 3,094,000 | 4,180,000 |
| Interest expense | 120,000 | 246,000 | 391,000 | 577,000 |
| Net interest income | 881,000 | 1,789,000 | 2,703,000 | 3,603,000 |
| Noninterest income | 144,000 | 271,000 | 507,000 | 697,000 |
| Noninterest expense | 716,000 | 1,448,000 | 2,183,000 | 2,899,000 |
| Provision for loan losses | 5,000 | 13,000 | 17,000 | 22,000 |
| Pretax income | 299,000 | 592,000 | 994,000 | 1,361,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 299,000 | 592,000 | 994,000 | 1,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,819,000 | 13,919,000 | 14,159,000 | 14,293,000 |
| Total capital | 14,156,000 | 14,251,000 | 14,513,000 | 14,647,000 |
| Risk-weighted assets | 56,104,000 | 56,886,000 | 55,349,000 | 55,161,000 |