Call reports 2019
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2019
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 132,397,000 | 125,468,000 | 124,012,000 | 127,778,000 |
| Total loans | 39,631,000 | 41,310,000 | 40,914,000 | 41,687,000 |
| Allowance for loan losses | 363,000 | 365,000 | 370,000 | 372,000 |
| Securities available for sale | 66,235,000 | 67,548,000 | 63,220,000 | 61,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,442,000 | 102,071,000 | 100,611,000 | 104,151,000 |
| Interest-bearing deposits | 83,702,000 | 76,766,000 | 74,372,000 | 80,027,000 |
| Noninterest-bearing deposits | 25,740,000 | 25,305,000 | 26,239,000 | 24,124,000 |
| Equity capital | 13,243,000 | 14,030,000 | 14,205,000 | 14,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,118,000 | 2,241,000 | 3,331,000 | 4,376,000 |
| Interest expense | 195,000 | 393,000 | 578,000 | 760,000 |
| Net interest income | 923,000 | 1,848,000 | 2,753,000 | 3,616,000 |
| Noninterest income | 178,000 | 314,000 | 539,000 | 649,000 |
| Noninterest expense | 738,000 | 1,504,000 | 2,349,000 | 3,072,000 |
| Provision for loan losses | 9,000 | 13,000 | 18,000 | 22,000 |
| Pretax income | 352,000 | 641,000 | 967,000 | 1,273,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 352,000 | 641,000 | 967,000 | 1,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,422,000 | 14,472,000 | 14,628,000 | 14,700,000 |
| Total capital | 14,785,000 | 14,837,000 | 14,998,000 | 15,072,000 |
| Risk-weighted assets | 54,636,000 | 54,547,000 | 53,314,000 | 53,106,000 |