Call reports 2023
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2023
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 29,146,000 | 28,521,000 | 28,490,000 | 27,657,000 |
| Total loans | 20,165,000 | 20,699,000 | 21,075,000 | 20,934,000 |
| Allowance for loan losses | 104,000 | 111,000 | 117,000 | 123,000 |
| Securities available for sale | 6,178,000 | 6,004,000 | 5,276,000 | 4,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,438,000 | 26,196,000 | 26,149,000 | 25,073,000 |
| Interest-bearing deposits | 18,364,000 | 17,992,000 | 18,910,000 | 18,663,000 |
| Noninterest-bearing deposits | 8,074,000 | 8,204,000 | 7,239,000 | 6,410,000 |
| Equity capital | 2,251,000 | 2,219,000 | 2,205,000 | 2,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 299,000 | 614,000 | 931,000 | 1,253,000 |
| Interest expense | 28,000 | 69,000 | 119,000 | 175,000 |
| Net interest income | 271,000 | 545,000 | 812,000 | 1,078,000 |
| Noninterest income | 7,000 | 14,000 | 20,000 | 28,000 |
| Noninterest expense | 217,000 | 447,000 | 676,000 | 932,000 |
| Provision for loan losses | 3,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 58,000 | 100,000 | 138,000 | 150,000 |
| Income tax | 21,000 | 30,000 | 38,000 | 45,000 |
| Net income | 37,000 | 70,000 | 100,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,493,000 | 2,529,000 | 2,559,000 | 2,532,000 |
| Total capital | 2,597,000 | 2,640,000 | 2,676,000 | 2,655,000 |
| Risk-weighted assets | 14,723,000 | 15,328,000 | 15,809,000 | 15,814,000 |
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