Call reports 2020
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2020
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 23,328,000 | 24,041,000 | 26,184,000 | 27,802,000 |
| Total loans | 15,689,000 | 15,863,000 | 15,802,000 | 16,645,000 |
| Allowance for loan losses | 74,000 | 82,000 | 82,000 | 134,000 |
| Securities available for sale | 5,204,000 | 5,049,000 | 4,808,000 | 4,489,000 |
| Securities held to maturity | 56,000 | 37,000 | 37,000 | 37,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,907,000 | 21,535,000 | 23,627,000 | 25,350,000 |
| Interest-bearing deposits | 15,181,000 | 15,277,000 | 16,702,000 | 17,502,000 |
| Noninterest-bearing deposits | 5,726,000 | 6,258,000 | 6,925,000 | 7,848,000 |
| Equity capital | 2,337,000 | 2,434,000 | 2,491,000 | 2,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 252,000 | 500,000 | 744,000 | 988,000 |
| Interest expense | 9,000 | 19,000 | 25,000 | 31,000 |
| Net interest income | 243,000 | 481,000 | 719,000 | 957,000 |
| Noninterest income | -14,000 | -7,000 | 0 | 21,000 |
| Noninterest expense | 186,000 | 373,000 | 560,000 | 787,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 60,000 |
| Pretax income | 40,000 | 95,000 | 150,000 | 131,000 |
| Income tax | 9,000 | 19,000 | 31,000 | 28,000 |
| Net income | 31,000 | 76,000 | 119,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,237,000 | 2,283,000 | 2,325,000 | 2,269,000 |
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