Call reports 2021
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2021
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 27,499,000 | 26,733,000 | 26,438,000 | 26,973,000 |
| Total loans | 16,592,000 | 17,105,000 | 17,003,000 | 17,424,000 |
| Allowance for loan losses | 133,000 | 139,000 | 145,000 | 145,000 |
| Securities available for sale | 4,254,000 | 5,217,000 | 4,943,000 | 4,509,000 |
| Securities held to maturity | 37,000 | 19,000 | 19,000 | 19,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,029,000 | 24,267,000 | 23,955,000 | 24,587,000 |
| Interest-bearing deposits | 17,398,000 | 16,945,000 | 16,798,000 | 17,650,000 |
| Noninterest-bearing deposits | 7,631,000 | 7,322,000 | 7,157,000 | 6,937,000 |
| Equity capital | 2,427,000 | 2,445,000 | 2,464,000 | 2,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 236,000 | 471,000 | 706,000 | 941,000 |
| Interest expense | 5,000 | 11,000 | 14,000 | 20,000 |
| Net interest income | 231,000 | 460,000 | 692,000 | 921,000 |
| Noninterest income | 6,000 | 15,000 | 21,000 | 28,000 |
| Noninterest expense | 190,000 | 383,000 | 579,000 | 808,000 |
| Provision for loan losses | 5,000 | 11,000 | 17,000 | 19,000 |
| Pretax income | 42,000 | 81,000 | 117,000 | 122,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 24,000 |
| Net income | 34,000 | 65,000 | 93,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,304,000 | 2,334,000 | 2,363,000 | 2,336,000 |
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