Call reports 2025
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2025
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 138,358,000 | 137,699,000 | 139,726,000 | 144,870,000 |
| Total loans | 68,085,000 | 70,680,000 | 69,768,000 | 71,494,000 |
| Allowance for loan losses | 846,000 | 911,000 | 941,000 | 971,000 |
| Securities available for sale | 30,337,000 | 29,591,000 | 32,762,000 | 31,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,871,000 | 123,791,000 | 125,128,000 | 129,846,000 |
| Interest-bearing deposits | 95,432,000 | 93,603,000 | 94,130,000 | 91,777,000 |
| Noninterest-bearing deposits | 29,439,000 | 30,188,000 | 30,998,000 | 38,069,000 |
| Equity capital | 12,831,000 | 13,218,000 | 13,787,000 | 14,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,553,000 | 3,342,000 | 5,105,000 | 6,951,000 |
| Interest expense | 451,000 | 908,000 | 1,371,000 | 1,808,000 |
| Net interest income | 1,102,000 | 2,434,000 | 3,734,000 | 5,143,000 |
| Noninterest income | 95,000 | 196,000 | 295,000 | 388,000 |
| Noninterest expense | 689,000 | 1,531,000 | 2,259,000 | 3,067,000 |
| Provision for loan losses | 52,000 | 62,000 | 92,000 | 122,000 |
| Pretax income | 449,000 | 1,030,000 | 1,667,000 | 2,330,000 |
| Income tax | 0 | 57,000 | 91,000 | 218,000 |
| Net income | 449,000 | 973,000 | 1,576,000 | 2,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,193,000 | 10,370,000 | 10,769,000 | 11,085,000 |
| Total capital | 11,048,000 | 11,283,000 | 11,650,000 | 11,984,000 |
| Risk-weighted assets | 71,213,000 | 73,059,000 | 70,428,000 | 71,858,000 |