Call reports 2015
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2015
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 20,911,000 | 19,929,000 | 21,339,000 | 20,359,000 |
| Total loans | 11,830,000 | 12,164,000 | 12,000,000 | 11,889,000 |
| Allowance for loan losses | 108,000 | 109,000 | 89,000 | 87,000 |
| Securities available for sale | 6,015,000 | 5,726,000 | 5,517,000 | 5,176,000 |
| Securities held to maturity | 189,000 | 160,000 | 160,000 | 160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,912,000 | 17,383,000 | 19,281,000 | 18,355,000 |
| Interest-bearing deposits | 13,639,000 | 12,346,000 | 14,106,000 | 13,364,000 |
| Noninterest-bearing deposits | 5,273,000 | 5,037,000 | 5,175,000 | 4,991,000 |
| Equity capital | 1,927,000 | 1,900,000 | 1,963,000 | 1,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 202,000 | 407,000 | 606,000 | 813,000 |
| Interest expense | 10,000 | 19,000 | 29,000 | 39,000 |
| Net interest income | 192,000 | 388,000 | 577,000 | 774,000 |
| Noninterest income | 11,000 | 21,000 | 38,000 | 47,000 |
| Noninterest expense | 175,000 | 346,000 | 516,000 | 711,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 3,000 |
| Pretax income | 26,000 | 60,000 | 94,000 | 107,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 11,000 |
| Net income | 22,000 | 52,000 | 82,000 | 96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,830,000 | 1,860,000 | 1,889,000 | 1,871,000 |
| Total capital | 1,934,000 | 1,966,000 | 1,978,000 | 1,958,000 |
| Risk-weighted assets | 8,310,000 | 8,437,000 | 8,409,000 | 8,405,000 |
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