Call reports 2020
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2020
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 128,948,000 | 135,579,000 | 133,058,000 | 141,333,000 |
| Total loans | 40,409,000 | 41,331,000 | 41,372,000 | 40,418,000 |
| Allowance for loan losses | 369,000 | 376,000 | 383,000 | 390,000 |
| Securities available for sale | 62,288,000 | 65,009,000 | 68,793,000 | 78,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,312,000 | 111,142,000 | 109,755,000 | 119,721,000 |
| Interest-bearing deposits | 82,308,000 | 82,236,000 | 80,324,000 | 88,944,000 |
| Noninterest-bearing deposits | 24,004,000 | 28,906,000 | 29,431,000 | 30,777,000 |
| Equity capital | 13,374,000 | 15,158,000 | 15,255,000 | 15,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,051,000 | 2,066,000 | 3,002,000 | 3,883,000 |
| Interest expense | 177,000 | 320,000 | 400,000 | 473,000 |
| Net interest income | 874,000 | 1,746,000 | 2,602,000 | 3,410,000 |
| Noninterest income | 161,000 | 282,000 | 428,000 | 576,000 |
| Noninterest expense | 790,000 | 1,525,000 | 2,326,000 | 3,112,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 279,000 | 532,000 | 794,000 | 1,036,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 279,000 | 532,000 | 794,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,774,000 | 14,813,000 | 15,006,000 | 15,068,000 |
| Total capital | 15,143,000 | 15,189,000 | 15,389,000 | 15,458,000 |
| Risk-weighted assets | 52,202,000 | 53,121,000 | 53,127,000 | 55,145,000 |