Call reports 2021
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2021
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 150,722,000 | 156,852,000 | 152,606,000 | 157,206,000 |
| Total loans | 40,023,000 | 39,055,000 | 37,748,000 | 37,236,000 |
| Allowance for loan losses | 393,000 | 396,000 | 401,000 | 404,000 |
| Securities available for sale | 83,712,000 | 93,013,000 | 97,297,000 | 101,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,811,000 | 135,388,000 | 131,365,000 | 136,713,000 |
| Interest-bearing deposits | 96,144,000 | 101,811,000 | 98,525,000 | 101,726,000 |
| Noninterest-bearing deposits | 33,667,000 | 33,577,000 | 32,840,000 | 34,987,000 |
| Equity capital | 14,245,000 | 14,874,000 | 15,003,000 | 15,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 944,000 | 2,000,000 | 3,089,000 | 4,180,000 |
| Interest expense | 72,000 | 143,000 | 214,000 | 284,000 |
| Net interest income | 872,000 | 1,857,000 | 2,875,000 | 3,896,000 |
| Noninterest income | 138,000 | 280,000 | 434,000 | 607,000 |
| Noninterest expense | 757,000 | 1,528,000 | 2,282,000 | 3,022,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 253,000 | 604,000 | 1,042,000 | 1,497,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 253,000 | 604,000 | 1,042,000 | 1,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,227,000 | 15,382,000 | 15,689,000 | 15,929,000 |
| Total capital | 15,620,000 | 15,778,000 | 16,090,000 | 16,333,000 |
| Risk-weighted assets | 57,309,000 | 55,480,000 | 56,575,000 | 56,987,000 |