Call reports 2013
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2013
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 19,611,000 | 18,564,000 | 20,171,000 | 19,412,000 |
| Total loans | 10,511,000 | 10,823,000 | 10,767,000 | 10,678,000 |
| Allowance for loan losses | 129,000 | 131,000 | 126,000 | 119,000 |
| Securities available for sale | 5,774,000 | 5,158,000 | 5,443,000 | 5,173,000 |
| Securities held to maturity | 200,000 | 336,000 | 336,000 | 336,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,686,000 | 16,680,000 | 18,330,000 | 17,632,000 |
| Interest-bearing deposits | 13,622,000 | 13,212,000 | 14,145,000 | 13,270,000 |
| Noninterest-bearing deposits | 4,064,000 | 3,468,000 | 4,185,000 | 4,362,000 |
| Equity capital | 1,814,000 | 1,802,000 | 1,782,000 | 1,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 197,000 | 390,000 | 579,000 | 771,000 |
| Interest expense | 10,000 | 21,000 | 31,000 | 41,000 |
| Net interest income | 187,000 | 369,000 | 548,000 | 730,000 |
| Noninterest income | 11,000 | 59,000 | 90,000 | 100,000 |
| Noninterest expense | 164,000 | 320,000 | 481,000 | 660,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 34,000 | 108,000 | 157,000 | 170,000 |
| Income tax | 10,000 | 33,000 | 46,000 | 48,000 |
| Net income | 24,000 | 75,000 | 111,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,687,000 | 1,738,000 | 1,774,000 | 1,751,000 |
| Total capital | 1,782,000 | 1,834,000 | 1,875,000 | 1,849,000 |
| Risk-weighted assets | 7,553,000 | 7,657,000 | 8,062,000 | 7,795,000 |
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