Call reports 2005
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2005
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 14,730,000 | 14,843,000 | 16,347,000 | 14,736,000 |
| Total loans | 8,700,000 | 8,984,000 | 9,710,000 | 10,070,000 |
| Allowance for loan losses | 165,000 | 157,000 | 160,000 | 153,000 |
| Securities available for sale | 2,965,000 | 2,990,000 | 2,946,000 | 2,915,000 |
| Securities held to maturity | 209,000 | 206,000 | 206,000 | 206,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,552,000 | 13,585,000 | 15,055,000 | 13,491,000 |
| Interest-bearing deposits | 10,584,000 | 10,259,000 | 11,002,000 | 10,394,000 |
| Noninterest-bearing deposits | 2,968,000 | 3,326,000 | 4,053,000 | 3,097,000 |
| Equity capital | 1,112,000 | 1,168,000 | 1,190,000 | 1,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 205,000 | 415,000 | 634,000 | 861,000 |
| Interest expense | 30,000 | 61,000 | 95,000 | 126,000 |
| Net interest income | 175,000 | 354,000 | 539,000 | 735,000 |
| Noninterest income | 16,000 | 35,000 | 63,000 | 77,000 |
| Noninterest expense | 151,000 | 304,000 | 452,000 | 611,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 15,000 |
| Pretax income | 40,000 | 85,000 | 148,000 | 186,000 |
| Income tax | 13,000 | 28,000 | 49,000 | 44,000 |
| Net income | 27,000 | 57,000 | 99,000 | 142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,131,000 | 1,161,000 | 1,177,000 | 1,212,000 |
| Total capital | 1,224,000 | 1,256,000 | 1,281,000 | 1,313,000 |
| Risk-weighted assets | 7,402,000 | 7,585,000 | 8,298,000 | 8,051,000 |
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