Call reports 2025
CITIZENS NATIONAL BANK OF HAMMOND, THE — 2025
What CITIZENS NATIONAL BANK OF HAMMOND, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 28,795,000 | 26,431,000 | 27,814,000 | 25,618,000 |
| Total loans | 20,588,000 | 20,426,000 | 20,040,000 | 19,794,000 |
| Allowance for loan losses | 134,000 | 138,000 | 135,000 | 121,000 |
| Securities available for sale | 3,697,000 | 3,016,000 | 2,613,000 | 1,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,297,000 | 24,111,000 | 25,536,000 | 23,481,000 |
| Interest-bearing deposits | 19,290,000 | 16,786,000 | 17,875,000 | 15,230,000 |
| Noninterest-bearing deposits | 7,007,000 | 7,325,000 | 7,661,000 | 8,251,000 |
| Equity capital | 2,360,000 | 2,209,000 | 2,205,000 | 2,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 374,000 | 731,000 | 1,075,000 | 1,413,000 |
| Interest expense | 110,000 | 196,000 | 274,000 | 335,000 |
| Net interest income | 264,000 | 535,000 | 801,000 | 1,078,000 |
| Noninterest income | 5,000 | 11,000 | 27,000 | 32,000 |
| Noninterest expense | 276,000 | 703,000 | 1,032,000 | 1,527,000 |
| Provision for loan losses | 6,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | -13,000 | -167,000 | -214,000 | -427,000 |
| Income tax | 0 | 0 | 0 | -94,000 |
| Net income | -13,000 | -167,000 | -214,000 | -333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,542,000 | 2,387,000 | 2,341,000 | 2,223,000 |
| Total capital | 2,676,000 | 2,525,000 | 2,476,000 | 2,344,000 |
| Risk-weighted assets | 14,927,000 | 14,966,000 | 14,494,000 | 14,385,000 |
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