Call reports 2011
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2011
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 85,649,000 | 88,646,000 | 89,378,000 | 87,348,000 |
| Total loans | 66,858,000 | 66,848,000 | 64,826,000 | 61,799,000 |
| Allowance for loan losses | 610,000 | 669,000 | 662,000 | 680,000 |
| Securities available for sale | 2,034,000 | 2,034,000 | 2,027,000 | 2,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,485,000 | 74,350,000 | 74,716,000 | 73,522,000 |
| Interest-bearing deposits | 64,099,000 | 65,656,000 | 63,961,000 | 63,524,000 |
| Noninterest-bearing deposits | 7,386,000 | 8,694,000 | 10,755,000 | 9,998,000 |
| Equity capital | 10,340,000 | 10,415,000 | 10,679,000 | 10,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,119,000 | 2,244,000 | 3,368,000 | 4,397,000 |
| Interest expense | 318,000 | 633,000 | 950,000 | 1,225,000 |
| Net interest income | 801,000 | 1,611,000 | 2,418,000 | 3,172,000 |
| Noninterest income | 143,000 | 285,000 | 487,000 | 335,000 |
| Noninterest expense | 670,000 | 1,318,000 | 1,948,000 | 2,533,000 |
| Provision for loan losses | 55,000 | 136,000 | 218,000 | 725,000 |
| Pretax income | 219,000 | 442,000 | 739,000 | 249,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 217,000 | 440,000 | 737,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,155,000 | 7,228,000 | 7,497,000 | 6,925,000 |
| Total capital | 7,765,000 | 7,897,000 | 8,159,000 | 7,605,000 |
| Risk-weighted assets | 72,335,000 | 71,424,000 | 69,547,000 | 66,529,000 |