Call reports 2021
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2021
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 108,853,000 | 112,228,000 | 114,064,000 | 113,436,000 |
| Total loans | 65,492,000 | 65,811,000 | 60,989,000 | 54,734,000 |
| Allowance for loan losses | 764,000 | 874,000 | 774,000 | 810,000 |
| Securities available for sale | 0 | 8,837,000 | 15,749,000 | 18,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,765,000 | 99,422,000 | 100,914,000 | 100,763,000 |
| Interest-bearing deposits | 70,464,000 | 74,104,000 | 75,720,000 | 75,839,000 |
| Noninterest-bearing deposits | 25,301,000 | 25,318,000 | 25,194,000 | 24,924,000 |
| Equity capital | 12,699,000 | 12,349,000 | 12,597,000 | 12,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 823,000 | 1,645,000 | 2,482,000 | 3,289,000 |
| Interest expense | 44,000 | 88,000 | 133,000 | 173,000 |
| Net interest income | 779,000 | 1,557,000 | 2,349,000 | 3,116,000 |
| Noninterest income | 784,000 | 1,296,000 | 1,492,000 | 1,650,000 |
| Noninterest expense | 653,000 | 1,352,000 | 2,044,000 | 2,813,000 |
| Provision for loan losses | 15,000 | 125,000 | 125,000 | 125,000 |
| Pretax income | 895,000 | 1,376,000 | 1,710,000 | 1,873,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 203,000 |
| Net income | 893,000 | 1,374,000 | 1,708,000 | 1,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,533,000 | 9,222,000 | 9,534,000 | 9,496,000 |
| Total capital | 10,278,000 | 9,973,000 | 10,276,000 | 10,210,000 |
| Risk-weighted assets | 59,630,000 | 59,975,000 | 59,343,000 | 57,073,000 |