Call reports 2009
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2009
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 69,275,000 | 76,835,000 | 78,635,000 | 77,847,000 |
| Total loans | 58,567,000 | 63,374,000 | 65,357,000 | 65,856,000 |
| Allowance for loan losses | 529,000 | 506,000 | 560,000 | 625,000 |
| Securities available for sale | 819,000 | 835,000 | 828,000 | 819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,057,000 | 55,376,000 | 57,370,000 | 58,609,000 |
| Interest-bearing deposits | 44,621,000 | 49,210,000 | 50,418,000 | 51,371,000 |
| Noninterest-bearing deposits | 6,436,000 | 6,166,000 | 6,953,000 | 7,237,000 |
| Equity capital | 9,286,000 | 10,417,000 | 10,648,000 | 10,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,051,000 | 2,138,000 | 3,271,000 | 4,355,000 |
| Interest expense | 352,000 | 694,000 | 1,050,000 | 1,409,000 |
| Net interest income | 699,000 | 1,444,000 | 2,221,000 | 2,946,000 |
| Noninterest income | 354,000 | 735,000 | 947,000 | 1,113,000 |
| Noninterest expense | 708,000 | 1,610,000 | 2,320,000 | 2,920,000 |
| Provision for loan losses | 17,000 | 42,000 | 90,000 | 360,000 |
| Pretax income | 328,000 | 527,000 | 758,000 | 779,000 |
| Income tax | 1,000 | 1,000 | 3,000 | 3,000 |
| Net income | 327,000 | 526,000 | 755,000 | 776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,120,000 | 7,248,000 | 7,478,000 | 7,170,000 |
| Total capital | 6,649,000 | 7,754,000 | 8,038,000 | 7,795,000 |
| Risk-weighted assets | 64,538,000 | 69,170,000 | 71,149,000 | 69,427,000 |