Call reports 2004
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2004
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 45,662,000 | 48,508,000 | 50,673,000 | 50,270,000 |
| Total loans | 37,837,000 | 41,468,000 | 40,169,000 | 41,203,000 |
| Allowance for loan losses | 267,000 | 260,000 | 273,000 | 387,000 |
| Securities available for sale | 675,000 | 987,000 | 970,000 | 926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,051,000 | 38,163,000 | 40,729,000 | 40,317,000 |
| Interest-bearing deposits | 31,159,000 | 32,332,000 | 34,850,000 | 33,895,000 |
| Noninterest-bearing deposits | 4,892,000 | 5,831,000 | 5,879,000 | 6,422,000 |
| Equity capital | 6,992,000 | 7,057,000 | 7,272,000 | 7,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 642,000 | 1,332,000 | 2,072,000 | 2,810,000 |
| Interest expense | 194,000 | 392,000 | 598,000 | 816,000 |
| Net interest income | 448,000 | 940,000 | 1,474,000 | 1,994,000 |
| Noninterest income | 81,000 | 187,000 | 272,000 | 369,000 |
| Noninterest expense | 359,000 | 734,000 | 1,090,000 | 1,504,000 |
| Provision for loan losses | 17,000 | 59,000 | 73,000 | 186,000 |
| Pretax income | 153,000 | 334,000 | 586,000 | 676,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 152,000 | 333,000 | 585,000 | 675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,818,000 | 3,885,000 | 4,101,000 | 4,190,000 |
| Total capital | 4,085,000 | 4,145,000 | 4,374,000 | 4,577,000 |
| Risk-weighted assets | 38,129,000 | 41,347,000 | 40,845,000 | 40,859,000 |