Call reports 2010
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2010
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 82,912,000 | 84,240,000 | 86,980,000 | 90,247,000 |
| Total loans | 67,076,000 | 65,970,000 | 68,328,000 | 66,827,000 |
| Allowance for loan losses | 471,000 | 880,000 | 795,000 | 576,000 |
| Securities available for sale | 3,433,000 | 2,447,000 | 2,047,000 | 2,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,733,000 | 67,093,000 | 69,507,000 | 72,760,000 |
| Interest-bearing deposits | 59,142,000 | 60,849,000 | 62,459,000 | 64,589,000 |
| Noninterest-bearing deposits | 6,592,000 | 6,244,000 | 7,048,000 | 8,171,000 |
| Equity capital | 10,046,000 | 9,963,000 | 10,221,000 | 10,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,105,000 | 2,230,000 | 3,341,000 | 4,544,000 |
| Interest expense | 356,000 | 734,000 | 1,102,000 | 1,454,000 |
| Net interest income | 749,000 | 1,496,000 | 2,239,000 | 3,090,000 |
| Noninterest income | 124,000 | 318,000 | 491,000 | 720,000 |
| Noninterest expense | 612,000 | 1,230,000 | 1,869,000 | 2,622,000 |
| Provision for loan losses | 100,000 | 508,000 | 508,000 | 573,000 |
| Pretax income | 161,000 | 76,000 | 353,000 | 615,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 159,000 | 74,000 | 351,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,880,000 | 6,773,000 | 7,026,000 | 7,267,000 |
| Total capital | 7,351,000 | 7,653,000 | 7,821,000 | 7,843,000 |
| Risk-weighted assets | 71,866,000 | 70,322,000 | 71,556,000 | 70,812,000 |