Call reports 2012
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2012
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 19,692,000 | 19,109,000 | 19,640,000 | 18,805,000 |
| Total loans | 9,998,000 | 10,008,000 | 9,986,000 | 10,335,000 |
| Allowance for loan losses | 141,000 | 141,000 | 142,000 | 142,000 |
| Securities available for sale | 6,619,000 | 6,762,000 | 6,188,000 | 6,325,000 |
| Securities held to maturity | 260,000 | 260,000 | 260,000 | 260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,884,000 | 17,218,000 | 17,693,000 | 16,883,000 |
| Interest-bearing deposits | 14,142,000 | 13,776,000 | 13,521,000 | 13,150,000 |
| Noninterest-bearing deposits | 3,742,000 | 3,442,000 | 4,172,000 | 3,733,000 |
| Equity capital | 1,718,000 | 1,787,000 | 1,828,000 | 1,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 205,000 | 412,000 | 615,000 | 820,000 |
| Interest expense | 18,000 | 34,000 | 47,000 | 53,000 |
| Net interest income | 187,000 | 378,000 | 568,000 | 767,000 |
| Noninterest income | 9,000 | 23,000 | 42,000 | 57,000 |
| Noninterest expense | 168,000 | 329,000 | 493,000 | 670,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 1,000 |
| Pretax income | 27,000 | 71,000 | 116,000 | 153,000 |
| Income tax | 7,000 | 18,000 | 30,000 | 42,000 |
| Net income | 20,000 | 53,000 | 86,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,603,000 | 1,637,000 | 1,670,000 | 1,663,000 |
| Total capital | 1,697,000 | 1,731,000 | 1,766,000 | 1,758,000 |
| Risk-weighted assets | 7,481,000 | 7,483,000 | 7,659,000 | 7,530,000 |
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