The Citizens National Bank of Hammond

The Citizens National Bank of Hammond is headquartered in Hammond and is the 174^th largest bank in the state of New York. It is also the 7,164^th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 7 employees at 2 locations. The Citizens National Bank of Hammond has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Citizens National Bank of Hammond FDIC Certificate # 14820 BankRate Report View Year Established 1913 Employees 7 Primary Regulator OCC Assets and Liabilities Assets $19.69 million Loans $9.86 million Deposits $17.88 million Equity Capital $1.72 million Loan Loss Allowance $141,000 Unbacked Noncurrent Loans $93,000 Historic Data - March 2011 Assets $19.79 million Equity Capital $1.57 million Loan Loss Allowance $163,000 Unbacked Noncurrent Loans $190,000 Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 0.42% Return on Equity 4.67% Interest Income $205,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Citizens National Bank of Hammond had $93,000 in non-current loans and owned real-estate with $1.86 million in equity and loan loss allowances on hand to cover it. This gives The Citizens National Bank of Hammond a Texas Ratio of 5.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Citizens National Bank of Hammond decreased significantly from 10.97% as of March 31, 2011 to 5.00% as of March 31, 2012, resulting in a positive change of 54.40%.This indicates that the balance sheet and financial strength for The Citizens National Bank of Hammond has improved significantly in recent periods. Deposit Growth In the past year, The Citizens National Bank of Hammond has decreased its total deposits by $-276,000, resulting in -1.52% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Citizens National Bank of Hammond has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Citizens National Bank of Hammond has $19.69 million in assets with $1.86 million in equity, resulting in a capitalization level of 9.44%, which is average.

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