Call reports 2012
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2012
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 87,602,000 | 83,668,000 | 84,577,000 | 80,716,000 |
| Total loans | 62,183,000 | 63,571,000 | 64,158,000 | 59,705,000 |
| Allowance for loan losses | 1,039,000 | 953,000 | 1,028,000 | 1,151,000 |
| Securities available for sale | 1,011,000 | 1,007,000 | 3,000 | 3,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,486,000 | 73,624,000 | 74,523,000 | 70,648,000 |
| Interest-bearing deposits | 65,086,000 | 64,719,000 | 62,774,000 | 61,372,000 |
| Noninterest-bearing deposits | 9,400,000 | 8,905,000 | 11,749,000 | 9,276,000 |
| Equity capital | 9,518,000 | 9,689,000 | 9,693,000 | 9,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,050,000 | 2,076,000 | 3,000,000 | 3,961,000 |
| Interest expense | 284,000 | 552,000 | 821,000 | 1,013,000 |
| Net interest income | 766,000 | 1,524,000 | 2,179,000 | 2,948,000 |
| Noninterest income | -38,000 | 36,000 | 170,000 | 304,000 |
| Noninterest expense | 622,000 | 1,208,000 | 1,873,000 | 2,434,000 |
| Provision for loan losses | 357,000 | 447,000 | 562,000 | 592,000 |
| Pretax income | -251,000 | -95,000 | -86,000 | 226,000 |
| Income tax | 2,000 | -14,000 | -12,000 | 113,000 |
| Net income | -253,000 | -81,000 | -74,000 | 113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,347,000 | 6,520,000 | 6,527,000 | 6,714,000 |
| Total capital | 7,181,000 | 7,368,000 | 7,372,000 | 7,495,000 |
| Risk-weighted assets | 66,528,000 | 67,761,000 | 67,418,000 | 64,459,000 |