Call reports 2003
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2003
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 45,505,000 | 46,745,000 | 45,708,000 | 45,402,000 |
| Total loans | 33,326,000 | 33,882,000 | 35,273,000 | 35,725,000 |
| Allowance for loan losses | 233,000 | 241,000 | 247,000 | 250,000 |
| Securities available for sale | 1,819,000 | 1,741,000 | 1,132,000 | 861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,005,000 | 38,117,000 | 36,899,000 | 36,616,000 |
| Interest-bearing deposits | 32,115,000 | 33,395,000 | 31,884,000 | 31,629,000 |
| Noninterest-bearing deposits | 4,890,000 | 4,722,000 | 5,015,000 | 4,987,000 |
| Equity capital | 6,625,000 | 6,744,000 | 6,912,000 | 6,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 603,000 | 1,247,000 | 1,875,000 | 2,489,000 |
| Interest expense | 250,000 | 495,000 | 717,000 | 922,000 |
| Net interest income | 353,000 | 752,000 | 1,158,000 | 1,567,000 |
| Noninterest income | 99,000 | 213,000 | 370,000 | 419,000 |
| Noninterest expense | 347,000 | 710,000 | 1,061,000 | 1,468,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 96,000 | 237,000 | 440,000 | 482,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 96,000 | 237,000 | 440,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,445,000 | 3,558,000 | 3,732,000 | 3,774,000 |
| Total capital | 3,678,000 | 3,799,000 | 3,979,000 | 4,024,000 |
| Risk-weighted assets | 33,771,000 | 34,555,000 | 35,438,000 | 36,249,000 |