Call reports 2019
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2019
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 82,482,000 | 84,306,000 | 85,974,000 | 84,999,000 |
| Total loans | 57,993,000 | 59,431,000 | 57,696,000 | 53,541,000 |
| Allowance for loan losses | 650,000 | 665,000 | 673,000 | 748,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,099,000 | 71,816,000 | 73,310,000 | 72,248,000 |
| Interest-bearing deposits | 54,696,000 | 55,991,000 | 57,858,000 | 58,552,000 |
| Noninterest-bearing deposits | 15,403,000 | 15,825,000 | 15,452,000 | 13,696,000 |
| Equity capital | 12,039,000 | 12,097,000 | 12,209,000 | 12,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,034,000 | 2,111,000 | 3,157,000 | 4,134,000 |
| Interest expense | 104,000 | 216,000 | 336,000 | 447,000 |
| Net interest income | 930,000 | 1,895,000 | 2,821,000 | 3,687,000 |
| Noninterest income | 98,000 | 192,000 | 322,000 | 446,000 |
| Noninterest expense | 603,000 | 1,240,000 | 1,927,000 | 2,486,000 |
| Provision for loan losses | 15,000 | 30,000 | 70,000 | 145,000 |
| Pretax income | 410,000 | 817,000 | 1,146,000 | 1,502,000 |
| Income tax | 2,000 | 37,000 | 37,000 | 37,000 |
| Net income | 408,000 | 780,000 | 1,109,000 | 1,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,873,000 | 8,931,000 | 9,043,000 | 9,307,000 |
| Total capital | 9,523,000 | 9,596,000 | 9,716,000 | 10,033,000 |
| Risk-weighted assets | 58,991,000 | 60,581,000 | 58,679,000 | 58,119,000 |