Call reports 2013
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2013
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 82,281,000 | 83,003,000 | 85,815,000 | 85,420,000 |
| Total loans | 57,768,000 | 57,066,000 | 55,645,000 | 54,177,000 |
| Allowance for loan losses | 1,051,000 | 1,077,000 | 1,075,000 | 659,000 |
| Securities available for sale | 3,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,961,000 | 72,524,000 | 75,104,000 | 74,749,000 |
| Interest-bearing deposits | 61,809,000 | 62,522,000 | 64,093,000 | 63,138,000 |
| Noninterest-bearing deposits | 10,152,000 | 10,002,000 | 11,011,000 | 11,611,000 |
| Equity capital | 10,033,000 | 10,156,000 | 10,304,000 | 10,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 949,000 | 1,877,000 | 2,778,000 | 3,652,000 |
| Interest expense | 176,000 | 362,000 | 551,000 | 727,000 |
| Net interest income | 773,000 | 1,515,000 | 2,227,000 | 2,925,000 |
| Noninterest income | 133,000 | 191,000 | 311,000 | 128,000 |
| Noninterest expense | 648,000 | 1,242,000 | 1,827,000 | 2,387,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 258,000 | 464,000 | 711,000 | 666,000 |
| Income tax | 105,000 | 188,000 | 287,000 | 268,000 |
| Net income | 153,000 | 276,000 | 424,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,867,000 | 6,990,000 | 7,138,000 | 7,112,000 |
| Total capital | 7,668,000 | 7,780,000 | 7,914,000 | 7,771,000 |
| Risk-weighted assets | 63,836,000 | 62,877,000 | 61,774,000 | 59,896,000 |