The Citizens National Bank of Hammond in Hammond, New York (NY)
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Table of contents:
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 7 |
| Total assets | $18,753 |
| Cash and due from depository institutions | $1,789 |
| Interest-bearing balances | $941 |
| Securities | $6,601 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $9,975 |
| Loan loss allowance | $142 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $166 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $222 |
| Life insurance assets | $18,753 |
| Total liabilities and capital | $17,043 |
| Total liabilities | $16,930 |
| Total deposits | $13,664 |
| Interest-bearing deposits | $16,930 |
| Deposits held in domestic offices | $89 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $113 |
| All other liabilities | $1,710 |
| Total equity capital | $1,710 |
| Total bank equity capital | $1,710 |
| Perpetual preferred stock | $0 |
| Common stock | $159 |
| Surplus | $479 |
| Undivided profits | $1,072 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $61 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $108 |
| Average Assets, year-to-date | $17,517 |
| Average Assets, quarterly | $12,225 |
| Volatile liabilities | $19,174 |
| Insider loans | $19,187 |
| FHLB advances | $7,538 |
| Loans and leases held for sale | $19,478 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $1,584 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $450 |
| Derivatives | $363 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $823 |
| Total interest expense | $86 |
| Net interest income | $737 |
| Provision for loan and lease losses | $8 |
| Total noninterest income | $62 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $47 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $15 |
| Total noninterest expense | $641 |
| Salaries and employee benefits | $339 |
| Premises and equipment expense | $62 |
| Additional noninterest expense | $240 |
| Pre-tax net operating income | $150 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $39 |
| Income before extraordinary items | $111 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $111 |
| Net charge-offs | $0 |
| Cash dividends | $111 |
| Sale, conversion, retirement of capital stock, net | $28 |
| Net operating income | $32 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.63% |
| Cost of funding earning assets | 0.48% |
| Net interest margin | 4.15% |
| Noninterest income to earning assets | 0.35% |
| Noninterest expense to earning assets | 3.61% |
| Net operating income to assets | 0.58% |
| Return on assets (ROA) | 0.58% |
| Pretax return on assets | 0.78% |
| Return on equity (ROE) | 6.70% |
| Retained earnings to average equity (YTD only) | 4.77% |
| Net charge-offs to loans | 0.29% |
| Credit loss provision to net charge-offs | 28.57% |
| Efficiency ratio | 5.64% |
| Assets per employee | $80,225 |
| Cash dividends to net income (YTD only) | 2.68% |
| Condition Ratios (%) | |
| Loss allowance to loans | 28.83% |
| Loss allowance to noncurrent loans | 1.40% |
| Noncurrent assets plus other real estate owned to assets | 232.79% |
| Noncurrent loans to loans | 0.33% |
| Net loans and leases to deposits | 0.60% |
| Net loans and leases to core deposits | 58.92% |
| Equity capital to assets | 63.27% |
| Core capital (leverage) ratio | 9.12% |
| Tier 1 risk-based capital ratio | 8.13% |
| Total risk-based capital ratio | 21.01% |
| Memoranda | |
| Average assets | $22 |
| Average earning assets | $19,174 |
| Average equity | $1,657 |
| Average loans | $17,771 |
| 2 New York Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 9276 | The Citizens National Bank Of Hammon | 19 Main St, Hammond, NY 13646 | January 01, 1913 | Full Service Brick and Mortar |  |
| 1 | 232209 | Cnb Morristown Branch | 405 Main Street, Morristown, NY 13664 | June 01, 1995 | Full Service Brick and Mortar |  |
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Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.