Call reports 2017
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2017
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 81,420,000 | 84,727,000 | 81,951,000 | 82,006,000 |
| Total loans | 53,740,000 | 52,829,000 | 53,716,000 | 54,262,000 |
| Allowance for loan losses | 682,000 | 682,000 | 682,000 | 637,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,691,000 | 72,752,000 | 69,701,000 | 69,673,000 |
| Interest-bearing deposits | 56,088,000 | 57,969,000 | 56,207,000 | 56,669,000 |
| Noninterest-bearing deposits | 13,603,000 | 14,783,000 | 13,494,000 | 13,004,000 |
| Equity capital | 11,432,000 | 11,596,000 | 11,775,000 | 11,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 836,000 | 1,677,000 | 2,581,000 | 3,480,000 |
| Interest expense | 58,000 | 125,000 | 194,000 | 263,000 |
| Net interest income | 778,000 | 1,552,000 | 2,387,000 | 3,217,000 |
| Noninterest income | 89,000 | 218,000 | 297,000 | 418,000 |
| Noninterest expense | 606,000 | 1,223,000 | 1,848,000 | 2,405,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 261,000 | 547,000 | 836,000 | 1,230,000 |
| Income tax | 106,000 | 228,000 | 338,000 | 532,000 |
| Net income | 155,000 | 319,000 | 498,000 | 698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,266,000 | 8,430,000 | 8,609,000 | 8,809,000 |
| Total capital | 8,948,000 | 9,112,000 | 9,291,000 | 9,446,000 |
| Risk-weighted assets | 57,506,000 | 56,948,000 | 56,976,000 | 57,427,000 |