Call reports 2022
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2022
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 28,064,000 | 27,119,000 | 29,072,000 | 27,304,000 |
| Total loans | 17,791,000 | 18,482,000 | 19,209,000 | 19,835,000 |
| Allowance for loan losses | 149,000 | 97,000 | 98,000 | 97,000 |
| Securities available for sale | 4,024,000 | 5,190,000 | 5,347,000 | 5,213,000 |
| Securities held to maturity | 19,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,798,000 | 24,910,000 | 26,889,000 | 25,155,000 |
| Interest-bearing deposits | 18,066,000 | 17,052,000 | 18,640,000 | 17,506,000 |
| Noninterest-bearing deposits | 7,732,000 | 7,858,000 | 8,249,000 | 7,649,000 |
| Equity capital | 2,247,000 | 2,183,000 | 2,144,000 | 2,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 231,000 | 480,000 | 747,000 | 1,044,000 |
| Interest expense | 5,000 | 9,000 | 13,000 | 18,000 |
| Net interest income | 226,000 | 471,000 | 734,000 | 1,026,000 |
| Noninterest income | 9,000 | 13,000 | 22,000 | 33,000 |
| Noninterest expense | 194,000 | 395,000 | 594,000 | 841,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 20,000 |
| Pretax income | 38,000 | 83,000 | 153,000 | 198,000 |
| Income tax | 0 | 5,000 | 19,000 | 41,000 |
| Net income | 38,000 | 78,000 | 134,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,358,000 | 2,398,000 | 2,455,000 | 2,450,000 |
| Total capital | — | 2,495,000 | 2,553,000 | 2,547,000 |
| Risk-weighted assets | — | 13,499,000 | 13,932,000 | 14,307,000 |
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