Call reports 2002
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2002
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 39,674,000 | 40,675,000 | 43,000,000 | 44,050,000 |
| Total loans | 29,999,000 | 31,531,000 | 33,314,000 | 32,222,000 |
| Allowance for loan losses | 273,000 | 273,000 | 273,000 | 224,000 |
| Securities available for sale | 1,193,000 | 1,107,000 | 1,048,000 | 840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,842,000 | 32,748,000 | 34,774,000 | 35,815,000 |
| Interest-bearing deposits | 27,827,000 | 28,861,000 | 29,479,000 | 30,926,000 |
| Noninterest-bearing deposits | 4,015,000 | 3,887,000 | 5,295,000 | 4,889,000 |
| Equity capital | 5,931,000 | 6,013,000 | 6,320,000 | 6,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 604,000 | 1,222,000 | 1,864,000 | 2,506,000 |
| Interest expense | 289,000 | 573,000 | 834,000 | 1,095,000 |
| Net interest income | 315,000 | 649,000 | 1,030,000 | 1,411,000 |
| Noninterest income | 54,000 | 126,000 | 197,000 | 340,000 |
| Noninterest expense | 304,000 | 616,000 | 922,000 | 1,320,000 |
| Provision for loan losses | 0 | 0 | 0 | 36,000 |
| Pretax income | 65,000 | 159,000 | 305,000 | 395,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 64,000 | 158,000 | 304,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,746,000 | 2,825,000 | 3,129,000 | 3,213,000 |
| Total capital | 3,019,000 | 3,098,000 | 3,402,000 | 3,437,000 |
| Risk-weighted assets | 30,440,000 | 32,262,000 | 33,665,000 | 32,946,000 |