Call reports 2005
BANK OF YATES CITY — 2005
What BANK OF YATES CITY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 40,092,000 | 39,641,000 | 39,859,000 | 39,629,000 |
| Total loans | 18,422,000 | 18,990,000 | 19,656,000 | 19,604,000 |
| Allowance for loan losses | 430,000 | 388,000 | 381,000 | 375,000 |
| Securities available for sale | 16,424,000 | 15,742,000 | 15,606,000 | 14,406,000 |
| Securities held to maturity | 3,352,000 | 3,343,000 | 3,584,000 | 4,052,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,193,000 | 34,543,000 | 34,509,000 | 34,726,000 |
| Interest-bearing deposits | 31,879,000 | 31,067,000 | 30,412,000 | 30,533,000 |
| Noninterest-bearing deposits | 3,314,000 | 3,476,000 | 4,097,000 | 4,193,000 |
| Equity capital | 4,500,000 | 4,685,000 | 4,714,000 | 4,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 532,000 | 1,060,000 | 1,597,000 | 2,141,000 |
| Interest expense | 178,000 | 362,000 | 552,000 | 753,000 |
| Net interest income | 354,000 | 698,000 | 1,045,000 | 1,388,000 |
| Noninterest income | 48,000 | 82,000 | 114,000 | 171,000 |
| Noninterest expense | 237,000 | 481,000 | 731,000 | 1,004,000 |
| Provision for loan losses | 8,000 | 20,000 | 20,000 | 73,000 |
| Pretax income | 157,000 | 279,000 | 408,000 | 482,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 157,000 | 279,000 | 408,000 | 482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,626,000 | 4,707,000 | 4,837,000 | 4,737,000 |
| Total capital | 4,923,000 | 5,008,000 | 5,146,000 | 5,045,000 |
| Risk-weighted assets | 23,632,000 | 23,992,000 | 24,669,000 | 24,612,000 |
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