Call reports 2022
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2022
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 164,065,000 | 156,628,000 | 152,569,000 | 151,396,000 |
| Total loans | 38,104,000 | 39,958,000 | 41,586,000 | 42,255,000 |
| Allowance for loan losses | 407,000 | 410,000 | 415,000 | 414,000 |
| Securities available for sale | 104,180,000 | 98,745,000 | 91,983,000 | 91,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,053,000 | 147,666,000 | 144,660,000 | 144,712,000 |
| Interest-bearing deposits | 115,659,000 | 111,965,000 | 105,495,000 | 109,434,000 |
| Noninterest-bearing deposits | 34,394,000 | 35,701,000 | 39,165,000 | 35,278,000 |
| Equity capital | 8,778,000 | 3,714,000 | 2,496,000 | 3,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,954,000 | 3,185,000 | 4,601,000 |
| Interest expense | 74,000 | 149,000 | 275,000 | 443,000 |
| Net interest income | 862,000 | 1,805,000 | 2,910,000 | 4,158,000 |
| Noninterest income | 168,000 | 359,000 | 520,000 | 700,000 |
| Noninterest expense | 776,000 | 1,541,000 | 2,359,000 | 3,041,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 250,000 | 616,000 | 1,061,000 | 1,804,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 250,000 | 616,000 | 1,061,000 | 1,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,001,000 | 16,165,000 | 16,462,000 | 16,987,000 |
| Total capital | 16,408,000 | 16,575,000 | 16,877,000 | 17,401,000 |
| Risk-weighted assets | 58,883,000 | 60,143,000 | 60,416,000 | 62,062,000 |