Call reports 2015
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2015
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 77,687,000 | 77,944,000 | 77,232,000 | 77,273,000 |
| Total loans | 51,946,000 | 51,612,000 | 51,111,000 | 52,539,000 |
| Allowance for loan losses | 612,000 | 621,000 | 636,000 | 651,000 |
| Securities available for sale | 1,000 | 1,000 | 1,000 | 1,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,595,000 | 66,680,000 | 65,752,000 | 65,706,000 |
| Interest-bearing deposits | 54,699,000 | 54,303,000 | 53,861,000 | 53,311,000 |
| Noninterest-bearing deposits | 11,896,000 | 12,377,000 | 11,891,000 | 12,395,000 |
| Equity capital | 10,780,000 | 10,918,000 | 11,084,000 | 11,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 800,000 | 1,592,000 | 2,432,000 | 3,235,000 |
| Interest expense | 63,000 | 117,000 | 171,000 | 218,000 |
| Net interest income | 737,000 | 1,475,000 | 2,261,000 | 3,017,000 |
| Noninterest income | 112,000 | 252,000 | 375,000 | 466,000 |
| Noninterest expense | 628,000 | 1,260,000 | 1,875,000 | 2,405,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 206,000 | 437,000 | 716,000 | 1,018,000 |
| Income tax | 84,000 | 177,000 | 289,000 | 409,000 |
| Net income | 122,000 | 260,000 | 427,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,614,000 | 7,752,000 | 7,918,000 | 8,100,000 |
| Total capital | 8,226,000 | 8,373,000 | 8,554,000 | 8,751,000 |
| Risk-weighted assets | 56,513,000 | 55,460,000 | 54,302,000 | 55,802,000 |