Call reports 2006
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2006
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 58,911,000 | 61,514,000 | 61,569,000 | 61,731,000 |
| Total loans | 49,572,000 | 52,983,000 | 52,054,000 | 51,964,000 |
| Allowance for loan losses | 459,000 | 424,000 | 455,000 | 607,000 |
| Securities available for sale | 748,000 | 733,000 | 720,000 | 707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,553,000 | 46,139,000 | 46,089,000 | 46,325,000 |
| Interest-bearing deposits | 37,399,000 | 40,879,000 | 40,545,000 | 40,443,000 |
| Noninterest-bearing deposits | 6,154,000 | 5,260,000 | 5,544,000 | 5,882,000 |
| Equity capital | 8,178,000 | 8,158,000 | 8,239,000 | 8,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,010,000 | 2,064,000 | 3,203,000 | 4,350,000 |
| Interest expense | 411,000 | 841,000 | 1,324,000 | 1,803,000 |
| Net interest income | 599,000 | 1,223,000 | 1,879,000 | 2,547,000 |
| Noninterest income | 87,000 | 179,000 | 277,000 | 373,000 |
| Noninterest expense | 392,000 | 802,000 | 1,207,000 | 1,760,000 |
| Provision for loan losses | 24,000 | 54,000 | 85,000 | 276,000 |
| Pretax income | 270,000 | 546,000 | 864,000 | 884,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 269,000 | 545,000 | 863,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,021,000 | 5,001,000 | 5,078,000 | 5,090,000 |
| Total capital | 5,480,000 | 5,425,000 | 5,533,000 | 5,697,000 |
| Risk-weighted assets | 51,050,000 | 54,230,000 | 54,014,000 | 54,592,000 |