Call reports 2014
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2014
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 85,669,000 | 82,997,000 | 80,207,000 | 79,179,000 |
| Total loans | 52,669,000 | 55,639,000 | 54,584,000 | 53,847,000 |
| Allowance for loan losses | 653,000 | 543,000 | 576,000 | 591,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 1,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,861,000 | 72,120,000 | 69,029,000 | 67,942,000 |
| Interest-bearing deposits | 62,812,000 | 61,067,000 | 58,049,000 | 56,078,000 |
| Noninterest-bearing deposits | 12,049,000 | 11,053,000 | 10,980,000 | 11,864,000 |
| Equity capital | 10,388,000 | 10,516,000 | 10,703,000 | 10,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 812,000 | 1,663,000 | 2,530,000 | 3,368,000 |
| Interest expense | 129,000 | 222,000 | 300,000 | 372,000 |
| Net interest income | 683,000 | 1,441,000 | 2,230,000 | 2,996,000 |
| Noninterest income | 122,000 | 224,000 | 355,000 | 470,000 |
| Noninterest expense | 619,000 | 1,265,000 | 1,857,000 | 2,448,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 186,000 | 400,000 | 713,000 | 988,000 |
| Income tax | 76,000 | 162,000 | 288,000 | 408,000 |
| Net income | 110,000 | 238,000 | 425,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,222,000 | 7,350,000 | 7,537,000 | 7,692,000 |
| Total capital | 7,875,000 | 7,893,000 | 8,113,000 | 8,283,000 |
| Risk-weighted assets | 57,206,000 | 58,574,000 | 58,188,000 | 57,437,000 |