Call reports 2018
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2018
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 22,734,000 | 22,660,000 | 23,521,000 | 23,329,000 |
| Total loans | 13,338,000 | 13,720,000 | 13,934,000 | 14,291,000 |
| Allowance for loan losses | 70,000 | 73,000 | 83,000 | 84,000 |
| Securities available for sale | 6,526,000 | 6,254,000 | 6,019,000 | 5,914,000 |
| Securities held to maturity | 185,000 | 74,000 | 74,000 | 74,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,805,000 | 20,721,000 | 21,266,000 | 21,309,000 |
| Interest-bearing deposits | 15,316,000 | 15,060,000 | 15,775,000 | 15,619,000 |
| Noninterest-bearing deposits | 5,489,000 | 5,661,000 | 5,491,000 | 5,690,000 |
| Equity capital | 1,876,000 | 1,895,000 | 1,901,000 | 1,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 219,000 | 448,000 | 677,000 | 949,000 |
| Interest expense | 10,000 | 21,000 | 31,000 | 44,000 |
| Net interest income | 209,000 | 427,000 | 646,000 | 905,000 |
| Noninterest income | 9,000 | 22,000 | 33,000 | 49,000 |
| Noninterest expense | 184,000 | 365,000 | 541,000 | 746,000 |
| Provision for loan losses | 3,000 | 6,000 | 16,000 | 28,000 |
| Pretax income | 31,000 | 78,000 | 122,000 | 180,000 |
| Income tax | 6,000 | 15,000 | 25,000 | 37,000 |
| Net income | 25,000 | 63,000 | 97,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,985,000 | 2,023,000 | 2,058,000 | 2,071,000 |
| Total capital | 2,055,000 | 2,096,000 | 2,141,000 | 2,155,000 |
| Risk-weighted assets | 9,770,000 | 10,102,000 | 10,415,000 | 10,437,000 |
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