Call reports 2001
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2001
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 39,711,000 | 40,903,000 | 41,067,000 | 40,590,000 |
| Total loans | 26,891,000 | 28,723,000 | 27,918,000 | 28,639,000 |
| Allowance for loan losses | 288,000 | 288,000 | 284,000 | 273,000 |
| Securities available for sale | 3,378,000 | 3,346,000 | 2,628,000 | 2,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,852,000 | 33,065,000 | 33,599,000 | 33,176,000 |
| Interest-bearing deposits | 27,891,000 | 28,201,000 | 28,736,000 | 28,192,000 |
| Noninterest-bearing deposits | 3,961,000 | 4,864,000 | 4,863,000 | 4,984,000 |
| Equity capital | 5,865,000 | 5,845,000 | 5,950,000 | 6,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 725,000 | 1,438,000 | 2,171,000 | 2,815,000 |
| Interest expense | 390,000 | 779,000 | 1,146,000 | 1,473,000 |
| Net interest income | 335,000 | 659,000 | 1,025,000 | 1,342,000 |
| Noninterest income | 53,000 | 135,000 | 244,000 | 377,000 |
| Noninterest expense | 346,000 | 710,000 | 1,049,000 | 1,423,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 42,000 | 84,000 | 220,000 | 296,000 |
| Income tax | 4,000 | 34,000 | 34,000 | 39,000 |
| Net income | 38,000 | 50,000 | 186,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,572,000 | 2,593,000 | 2,736,000 | 2,836,000 |
| Total capital | 2,860,000 | 2,881,000 | 3,020,000 | 3,109,000 |
| Risk-weighted assets | 28,429,000 | 29,593,000 | 29,670,000 | 29,598,000 |