Call reports 2023
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2023
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 119,357,000 | 120,576,000 | 123,206,000 | 120,949,000 |
| Total loans | 55,963,000 | 57,518,000 | 58,851,000 | 62,003,000 |
| Allowance for loan losses | 765,000 | 765,000 | 802,000 | 799,000 |
| Securities available for sale | 30,873,000 | 30,622,000 | 30,593,000 | 31,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,136,000 | 109,451,000 | 111,515,000 | 108,676,000 |
| Interest-bearing deposits | 79,077,000 | 78,668,000 | 79,896,000 | 80,156,000 |
| Noninterest-bearing deposits | 29,059,000 | 30,783,000 | 31,619,000 | 28,520,000 |
| Equity capital | 10,763,000 | 10,591,000 | 11,032,000 | 11,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,422,000 | 3,761,000 | 5,190,000 |
| Interest expense | 207,000 | 472,000 | 812,000 | 1,235,000 |
| Net interest income | 965,000 | 1,950,000 | 2,949,000 | 3,955,000 |
| Noninterest income | 96,000 | 179,000 | 290,000 | 391,000 |
| Noninterest expense | 640,000 | 1,308,000 | 1,935,000 | 2,627,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 426,000 | 834,000 | 1,322,000 | 1,745,000 |
| Income tax | 0 | 49,000 | 49,000 | 145,000 |
| Net income | 426,000 | 785,000 | 1,273,000 | 1,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,543,000 | 9,641,000 | 10,129,000 | 10,152,000 |
| Total capital | 10,279,000 | 10,406,000 | 10,929,000 | 10,954,000 |
| Risk-weighted assets | 58,912,000 | 62,394,000 | 64,056,000 | 64,756,000 |