Call reports 2026
CITIZENS STATE BANK NORWOOD YOUNG AMERICA — 2026
What CITIZENS STATE BANK NORWOOD YOUNG AMERICA reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 141,486,000 | 141,333,000 |
| Total loans | 71,881,000 | 71,126,000 |
| Allowance for loan losses | 981,000 | 996,000 |
| Securities available for sale | 31,769,000 | 33,744,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 126,940,000 | 126,599,000 |
| Interest-bearing deposits | 94,878,000 | 95,387,000 |
| Noninterest-bearing deposits | 32,062,000 | 31,212,000 |
| Equity capital | 13,951,000 | 14,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,789,000 | 3,672,000 |
| Interest expense | 415,000 | 817,000 |
| Net interest income | 1,374,000 | 2,855,000 |
| Noninterest income | 93,000 | 172,000 |
| Noninterest expense | 774,000 | 1,623,000 |
| Provision for loan losses | 10,000 | 25,000 |
| Pretax income | 666,000 | 1,377,000 |
| Income tax | -3,000 | 120,000 |
| Net income | 669,000 | 1,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 11,004,000 | 11,158,000 |
| Total capital | 11,913,000 | 12,070,000 |
| Risk-weighted assets | 72,713,000 | 72,941,000 |