Call reports 2016
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2016
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 22,598,000 | 22,024,000 | 23,173,000 | 22,687,000 |
| Total loans | 11,938,000 | 11,885,000 | 12,237,000 | 12,601,000 |
| Allowance for loan losses | 77,000 | 79,000 | 82,000 | 85,000 |
| Securities available for sale | 6,340,000 | 7,343,000 | 6,942,000 | 7,637,000 |
| Securities held to maturity | 100,000 | 73,000 | 73,000 | 73,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,542,000 | 19,899,000 | 21,033,000 | 20,762,000 |
| Interest-bearing deposits | 15,032,000 | 14,634,000 | 15,795,000 | 15,353,000 |
| Noninterest-bearing deposits | 5,510,000 | 5,265,000 | 5,238,000 | 5,409,000 |
| Equity capital | 1,966,000 | 2,031,000 | 2,042,000 | 1,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 204,000 | 413,000 | 620,000 | 838,000 |
| Interest expense | 10,000 | 19,000 | 30,000 | 40,000 |
| Net interest income | 194,000 | 394,000 | 590,000 | 798,000 |
| Noninterest income | 8,000 | 16,000 | 31,000 | 39,000 |
| Noninterest expense | 183,000 | 354,000 | 538,000 | 732,000 |
| Provision for loan losses | 2,000 | 4,000 | 7,000 | 10,000 |
| Pretax income | 17,000 | 52,000 | 76,000 | 95,000 |
| Income tax | 1,000 | 9,000 | 13,000 | 15,000 |
| Net income | 16,000 | 43,000 | 63,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,887,000 | 1,915,000 | 1,934,000 | 1,920,000 |
| Total capital | 1,964,000 | 1,994,000 | 2,016,000 | 2,005,000 |
| Risk-weighted assets | 8,655,000 | 8,579,000 | 8,912,000 | 8,965,000 |