Call reports 2022
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2022
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 116,689,000 | 119,789,000 | 117,659,000 | 117,210,000 |
| Total loans | 54,126,000 | 55,745,000 | 54,594,000 | 55,904,000 |
| Allowance for loan losses | 810,000 | 810,000 | 810,000 | 810,000 |
| Securities available for sale | 19,512,000 | 23,105,000 | 30,101,000 | 30,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,397,000 | 108,831,000 | 107,079,000 | 106,313,000 |
| Interest-bearing deposits | 79,063,000 | 79,043,000 | 76,366,000 | 77,479,000 |
| Noninterest-bearing deposits | 26,334,000 | 29,788,000 | 30,713,000 | 28,834,000 |
| Equity capital | 10,916,000 | 10,525,000 | 10,052,000 | 10,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 789,000 | 1,676,000 | 2,735,000 | 3,819,000 |
| Interest expense | 40,000 | 91,000 | 163,000 | 287,000 |
| Net interest income | 749,000 | 1,585,000 | 2,572,000 | 3,532,000 |
| Noninterest income | 159,000 | 291,000 | 803,000 | 934,000 |
| Noninterest expense | 671,000 | 1,434,000 | 2,154,000 | 2,946,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 238,000 | 433,000 | 1,216,000 | 1,518,000 |
| Income tax | 0 | 24,000 | 70,000 | 121,000 |
| Net income | 238,000 | 409,000 | 1,146,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,035,000 | 9,067,000 | 9,568,000 | 9,710,000 |
| Total capital | 9,768,000 | 9,821,000 | 10,306,000 | 10,444,000 |
| Risk-weighted assets | 58,575,000 | 60,267,000 | 59,030,000 | 58,681,000 |