Call reports 2006
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2006
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 15,149,000 | 14,057,000 | 14,142,000 | 13,205,000 |
| Total loans | 10,305,000 | 9,731,000 | 9,535,000 | 9,270,000 |
| Allowance for loan losses | 161,000 | 167,000 | 173,000 | 169,000 |
| Securities available for sale | 2,880,000 | 2,845,000 | 2,880,000 | 2,904,000 |
| Securities held to maturity | 6,000 | 3,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,588,000 | 12,552,000 | 12,757,000 | 11,831,000 |
| Interest-bearing deposits | 10,636,000 | 9,122,000 | 9,240,000 | 9,166,000 |
| Noninterest-bearing deposits | 2,952,000 | 3,430,000 | 3,517,000 | 2,665,000 |
| Equity capital | 1,207,000 | 1,225,000 | 1,285,000 | 1,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 221,000 | 440,000 | 650,000 | 861,000 |
| Interest expense | 36,000 | 77,000 | 120,000 | 172,000 |
| Net interest income | 185,000 | 363,000 | 530,000 | 689,000 |
| Noninterest income | 18,000 | 36,000 | 67,000 | 88,000 |
| Noninterest expense | 141,000 | 280,000 | 423,000 | 588,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 26,000 |
| Pretax income | 54,000 | 104,000 | 151,000 | 163,000 |
| Income tax | 18,000 | 34,000 | 50,000 | 57,000 |
| Net income | 36,000 | 70,000 | 101,000 | 106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,249,000 | 1,283,000 | 1,313,000 | 1,286,000 |
| Total capital | 1,351,000 | 1,379,000 | 1,407,000 | 1,374,000 |
| Risk-weighted assets | 8,140,000 | 7,624,000 | 7,414,000 | 6,964,000 |
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