Call reports 2023
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2023
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 152,872,000 | 164,240,000 | 153,232,000 | 160,027,000 |
| Total loans | 40,788,000 | 40,350,000 | 42,046,000 | 42,079,000 |
| Allowance for loan losses | 414,000 | 416,000 | 407,000 | 410,000 |
| Securities available for sale | 91,276,000 | 89,036,000 | 85,770,000 | 89,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,214,000 | 156,511,000 | 146,913,000 | 150,191,000 |
| Interest-bearing deposits | 109,243,000 | 121,414,000 | 113,767,000 | 116,877,000 |
| Noninterest-bearing deposits | 35,971,000 | 35,097,000 | 33,146,000 | 33,314,000 |
| Equity capital | 4,867,000 | 4,685,000 | 3,268,000 | 6,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,538,000 | 3,223,000 | 4,983,000 | 6,759,000 |
| Interest expense | 243,000 | 566,000 | 1,317,000 | 2,119,000 |
| Net interest income | 1,295,000 | 2,657,000 | 3,666,000 | 4,640,000 |
| Noninterest income | 174,000 | 342,000 | 500,000 | 735,000 |
| Noninterest expense | 830,000 | 1,687,000 | 2,535,000 | 3,337,000 |
| Provision for loan losses | 3,000 | 6,000 | -2,000 | 1,000 |
| Pretax income | 636,000 | 1,306,000 | 1,623,000 | 2,027,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 636,000 | 1,306,000 | 1,623,000 | 2,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,398,000 | 17,794,000 | 17,923,000 | 18,062,000 |
| Total capital | 17,812,000 | 18,210,000 | 18,330,000 | 18,472,000 |
| Risk-weighted assets | 60,646,000 | 59,365,000 | 60,118,000 | 59,165,000 |