Call reports 2007
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2007
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 62,299,000 | 65,796,000 | 63,547,000 | 63,809,000 |
| Total loans | 54,356,000 | 53,910,000 | 53,903,000 | 53,730,000 |
| Allowance for loan losses | 637,000 | 666,000 | 695,000 | 563,000 |
| Securities available for sale | 1,096,000 | 1,003,000 | 1,011,000 | 1,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,704,000 | 49,934,000 | 50,884,000 | 51,265,000 |
| Interest-bearing deposits | 40,829,000 | 44,912,000 | 45,048,000 | 44,551,000 |
| Noninterest-bearing deposits | 4,875,000 | 5,022,000 | 5,835,000 | 6,714,000 |
| Equity capital | 8,416,000 | 8,586,000 | 8,813,000 | 8,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,169,000 | 2,412,000 | 3,686,000 | 4,917,000 |
| Interest expense | 484,000 | 1,023,000 | 1,570,000 | 2,075,000 |
| Net interest income | 685,000 | 1,389,000 | 2,116,000 | 2,842,000 |
| Noninterest income | 78,000 | 175,000 | 198,000 | 306,000 |
| Noninterest expense | 425,000 | 870,000 | 1,294,000 | 1,851,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 235,000 |
| Pretax income | 308,000 | 634,000 | 930,000 | 1,062,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 307,000 | 633,000 | 929,000 | 1,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,247,000 | 5,422,000 | 5,643,000 | 5,564,000 |
| Total capital | 5,884,000 | 6,088,000 | 6,338,000 | 6,127,000 |
| Risk-weighted assets | 57,090,000 | 57,098,000 | 56,092,000 | 56,179,000 |