Call reports 2024
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2024
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 158,942,000 | 158,706,000 | 148,940,000 | 152,792,000 |
| Total loans | 44,056,000 | 45,897,000 | 45,413,000 | 46,382,000 |
| Allowance for loan losses | 406,000 | 403,000 | 402,000 | 388,000 |
| Securities available for sale | 87,352,000 | 89,247,000 | 89,131,000 | 89,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,619,000 | 149,173,000 | 136,961,000 | 142,864,000 |
| Interest-bearing deposits | 114,429,000 | 115,097,000 | 105,786,000 | 111,965,000 |
| Noninterest-bearing deposits | 35,190,000 | 34,076,000 | 31,175,000 | 30,899,000 |
| Equity capital | 6,146,000 | 6,460,000 | 8,883,000 | 6,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,758,000 | 3,582,000 | 5,370,000 | 7,105,000 |
| Interest expense | 804,000 | 1,634,000 | 2,445,000 | 3,181,000 |
| Net interest income | 954,000 | 1,948,000 | 2,925,000 | 3,924,000 |
| Noninterest income | 197,000 | 353,000 | 523,000 | 718,000 |
| Noninterest expense | 923,000 | 1,833,000 | 2,777,000 | 3,633,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,000 |
| Pretax income | 228,000 | 468,000 | 671,000 | 1,009,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 228,000 | 468,000 | 671,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,081,000 | 18,099,000 | 18,214,000 | 18,388,000 |
| Total capital | 18,487,000 | 18,502,000 | 18,616,000 | 18,787,000 |
| Risk-weighted assets | 61,036,000 | 63,174,000 | 61,767,000 | 62,724,000 |