Call reports 2018
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2018
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 82,486,000 | 85,015,000 | 84,306,000 | 82,627,000 |
| Total loans | 55,781,000 | 56,914,000 | 58,968,000 | 57,530,000 |
| Allowance for loan losses | 648,000 | 652,000 | 667,000 | 635,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,320,000 | 72,728,000 | 71,540,000 | 70,035,000 |
| Interest-bearing deposits | 57,007,000 | 57,632,000 | 56,238,000 | 55,487,000 |
| Noninterest-bearing deposits | 13,313,000 | 15,096,000 | 15,302,000 | 14,548,000 |
| Equity capital | 11,843,000 | 11,902,000 | 12,137,000 | 12,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 904,000 | 1,876,000 | 2,909,000 | 3,923,000 |
| Interest expense | 78,000 | 170,000 | 265,000 | 361,000 |
| Net interest income | 826,000 | 1,706,000 | 2,644,000 | 3,562,000 |
| Noninterest income | 114,000 | 202,000 | 313,000 | 429,000 |
| Noninterest expense | 591,000 | 1,165,000 | 1,759,000 | 2,430,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 339,000 | 718,000 | 1,158,000 | 1,506,000 |
| Income tax | 71,000 | 71,000 | 71,000 | 71,000 |
| Net income | 268,000 | 647,000 | 1,087,000 | 1,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,677,000 | 8,736,000 | 8,971,000 | 9,150,000 |
| Total capital | 9,325,000 | 9,388,000 | 9,638,000 | 9,785,000 |
| Risk-weighted assets | 59,069,000 | 59,381,000 | 61,227,000 | 62,348,000 |