Call reports 2019
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2019
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 23,968,000 | 23,020,000 | 25,217,000 | 23,375,000 |
| Total loans | 14,704,000 | 14,857,000 | 15,545,000 | 16,060,000 |
| Allowance for loan losses | 82,000 | 85,000 | 82,000 | 81,000 |
| Securities available for sale | 5,813,000 | 5,703,000 | 5,555,000 | 5,300,000 |
| Securities held to maturity | 74,000 | 56,000 | 56,000 | 56,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,838,000 | 20,744,000 | 22,864,000 | 21,077,000 |
| Interest-bearing deposits | 15,673,000 | 15,428,000 | 15,590,000 | 15,416,000 |
| Noninterest-bearing deposits | 6,165,000 | 5,316,000 | 7,274,000 | 5,661,000 |
| Equity capital | 2,068,000 | 2,223,000 | 2,286,000 | 2,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 256,000 | 510,000 | 769,000 | 1,022,000 |
| Interest expense | 10,000 | 20,000 | 30,000 | 40,000 |
| Net interest income | 246,000 | 490,000 | 739,000 | 982,000 |
| Noninterest income | 8,000 | 24,000 | 34,000 | 45,000 |
| Noninterest expense | 183,000 | 363,000 | 545,000 | 760,000 |
| Provision for loan losses | 1,000 | 16,000 | 32,000 | 35,000 |
| Pretax income | 70,000 | 135,000 | 196,000 | 232,000 |
| Income tax | 14,000 | 28,000 | 41,000 | 49,000 |
| Net income | 56,000 | 107,000 | 155,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,126,000 | 2,178,000 | 2,226,000 | 2,206,000 |
| Total capital | 2,208,000 | 2,263,000 | 2,308,000 | 2,287,000 |
| Risk-weighted assets | 10,767,000 | 10,842,000 | 11,132,000 | 11,478,000 |
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