Call reports 2025
CITIZENS BANK AND TRUST OF LEBANON, INC. — 2025
What CITIZENS BANK AND TRUST OF LEBANON, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 157,840,000 | 152,500,000 | 160,373,000 | 167,962,000 |
| Total loans | 47,205,000 | 49,118,000 | 48,030,000 | 51,277,000 |
| Allowance for loan losses | 388,000 | 387,000 | 401,000 | 353,000 |
| Securities available for sale | 91,359,000 | 91,158,000 | 94,047,000 | 91,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,429,000 | 142,452,000 | 144,810,000 | 151,712,000 |
| Interest-bearing deposits | 112,434,000 | 110,528,000 | 114,413,000 | 121,177,000 |
| Noninterest-bearing deposits | 34,995,000 | 31,924,000 | 30,397,000 | 30,535,000 |
| Equity capital | 7,624,000 | 7,284,000 | 9,865,000 | 10,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,713,000 | 3,490,000 | 5,253,000 | 7,103,000 |
| Interest expense | 687,000 | 1,346,000 | 2,007,000 | 2,728,000 |
| Net interest income | 1,026,000 | 2,144,000 | 3,246,000 | 4,375,000 |
| Noninterest income | 173,000 | 344,000 | 527,000 | 744,000 |
| Noninterest expense | 919,000 | 1,820,000 | 2,763,000 | 3,620,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 280,000 | 668,000 | 1,010,000 | 1,501,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 280,000 | 668,000 | 1,010,000 | 1,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,556,000 | 18,789,000 | 19,002,000 | 19,246,000 |
| Total capital | 18,955,000 | 19,187,000 | 19,414,000 | 19,610,000 |
| Risk-weighted assets | 63,994,000 | 65,621,000 | 64,584,000 | 66,200,000 |