Call reports 2005
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2005
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 51,022,000 | 53,220,000 | 57,557,000 | 60,850,000 |
| Total loans | 41,345,000 | 43,991,000 | 48,510,000 | 48,994,000 |
| Allowance for loan losses | 400,000 | 411,000 | 443,000 | 457,000 |
| Securities available for sale | 850,000 | 830,000 | 799,000 | 768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,937,000 | 39,545,000 | 42,341,000 | 45,515,000 |
| Interest-bearing deposits | 34,097,000 | 34,412,000 | 35,733,000 | 38,454,000 |
| Noninterest-bearing deposits | 4,840,000 | 5,133,000 | 6,608,000 | 7,061,000 |
| Equity capital | 7,452,000 | 7,684,000 | 7,930,000 | 8,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 774,000 | 1,583,000 | 2,524,000 | 3,497,000 |
| Interest expense | 226,000 | 500,000 | 827,000 | 1,206,000 |
| Net interest income | 548,000 | 1,083,000 | 1,697,000 | 2,291,000 |
| Noninterest income | 119,000 | 225,000 | 301,000 | 405,000 |
| Noninterest expense | 362,000 | 724,000 | 1,097,000 | 1,552,000 |
| Provision for loan losses | 13,000 | 27,000 | 59,000 | 73,000 |
| Pretax income | 292,000 | 557,000 | 842,000 | 1,071,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 291,000 | 556,000 | 841,000 | 1,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,294,000 | 4,522,000 | 4,771,000 | 4,937,000 |
| Total capital | 4,694,000 | 4,933,000 | 5,214,000 | 5,394,000 |
| Risk-weighted assets | 41,577,000 | 44,764,000 | 50,414,000 | 51,611,000 |