The Citizens National Bank of Hammond in Hammond, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Citizens National Bank of Hammond - Overview

  • General
  • FDIC Certificate #: 14820
    Status: Active
    Federal Reserve ID: 855303
    Date Established: January 01, 1913
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 9276
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: October 15, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 19 Main St, Hammond, NY 13646
    County: St. Lawrence
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Syracuse
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Core Based Statistical Area (CBSA): Ogdensburg-Massena, NY (#36300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $18.8 mil
    Equity capital: $1.7 mil
    Deposits held in domestic offices: $16.9 mil
    Return on assets (ROA): 0.58% ($0.1 mil)
    Quarterly return on assets: 0.56% ($0.1 mil)
    Return on Equity (ROE): 6.70% ($0.1 mil)
    Quarterly return on equity: 6.25% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.78% ($146.3 mil)
    Quarterly Pretax return on assets: 0.79% ($148.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $18,753Total assets
  • $1,789Cash and due from depository institutions
  • $941Interest-bearing balances
  • $6,601Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $9,975Net loans & leases
  • $142Loan loss allowance
  • $0Trading account assets
  • $166Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $18,753Life insurance assets
  • $222All other assets
  • $17,043Total liabilities and capital
  • $16,930Total liabilities
  • $13,664Total deposits
  • $16,930Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $113Subordinated debt
  • $1,710All other liabilities
  • $1,710Total equity capital
  • $1,710Total bank equity capital
  • $0Perpetual preferred stock
  • $159Common stock
  • $479Surplus
  • $1,072Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $61Income earned, not collected on loans
  • $0Earning assets
  • $108Long-term assets (5+ years)
  • $17,517Average Assets, year-to-date
  • $12,225Average Assets, quarterly
  • $19,174Volatile liabilities
  • $19,187Insider loans
  • $7,538FHLB advances
  • $19,478Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,584Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $450Restructured Loans and leases
  • $363Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $823Total interest income
  • $86Total interest expense
  • $737Net interest income
  • $8Provision for loan and lease losses
  • $62Total noninterest income
  • $0Fiduciary activities
  • $47Service charges on deposit accounts
  • $0Trading account gains & fees
  • $15Additional noninterest income
  • $641Total noninterest expense
  • $339Salaries and employee benefits
  • $62Premises and equipment expense
  • $240Additional noninterest expense
  • $150Pre-tax net operating income
  • $0Securities gains (losses)
  • $39Applicable income taxes
  • $111Income before extraordinary items
  • $0Extraordinary gains - net
  • $111Net income attributable to bank
  • $0Net charge-offs
  • $111Cash dividends
  • $28Sale, conversion, retirement of capital stock, net
  • $32Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 0.48%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 3.61%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 6.70%Return on equity (ROE)
  • 4.77%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 28.57%Credit loss provision to net charge-offs
  • 5.64%Efficiency ratio
  • 80,225Assets per employee
  • 2.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.83%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 232.79%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.60%Net loans and leases to deposits
  • 58.92%Net loans and leases to core deposits
  • 63.27%Equity capital to assets
  • 9.12%Core capital (leverage) ratio
  • 8.13%Tier 1 risk-based capital ratio
  • 21.01%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $19,174Average earning assets
  • $1,657Average equity
  • $17,771Average loans

List of branches

  • 2 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09276The Citizens National Bank Of Hammon19 Main St, Hammond, NY 13646January 01, 1913Full Service Brick and Mortar
    1232209Cnb Morristown Branch405 Main Street, Morristown, NY 13664June 01, 1995Full Service Brick and Mortar

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