Citizens State Bank Norwood Young America
Norwood Young America, MN — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Citizens State Bank Norwood Young America | All Insured Commercial Banks in Minnesota |
| Interest and Fees on Loans | 3,190 | 4,864 |
| Income from Lease Financing Receivables | — | 12 |
| — | 40 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 20 |
| Income on Loans and Leases (TE) | 3,190 | 4,921 |
| Investment Interest Income (TE) | — | 592 |
| Total Interest Income (TE) | 3,329 | 5,709 |
| Total Interest Expense | 200 | 508 |
| Net Interest Income (TE) | 3,129 | 5,181 |
| Non-Interest Income | 517 | 905 |
| Adjusted Operating Income (TE) | 3,646 | 6,155 |
| Non-interest Expense | 2,317 | 4,018 |
| Provision for Loan & Lease Losses | 50 | 126 |
| Pretax Operating Income (TE) | 1,279 | 1,907 |
| Pretax Net Operating Income (TE) | 1,279 | 1,940 |
| Applicable Income Taxes | 519 | 97 |
| Net Operating Income | 760 | 1,682 |
| Net Income | 760 | 1,683 |
| Cash Dividends Declared | 350 | 1,029 |
| Retained Earnings | 410 | 636 |