Call reports 2003
YOAKUM BANK — 2003
What YOAKUM BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 116,050,000 | 115,144,000 | 113,007,000 | 115,746,000 |
| Total loans | 50,747,000 | 49,996,000 | 49,905,000 | 50,309,000 |
| Allowance for loan losses | 510,000 | 513,000 | 514,000 | 516,000 |
| Securities available for sale | 50,649,000 | 47,850,000 | 46,838,000 | 51,492,000 |
| Securities held to maturity | 881,000 | 881,000 | 490,000 | 490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,929,000 | 99,528,000 | 97,719,000 | 100,384,000 |
| Interest-bearing deposits | 84,254,000 | 82,202,000 | 82,333,000 | 84,278,000 |
| Noninterest-bearing deposits | 16,675,000 | 17,326,000 | 15,387,000 | 16,105,000 |
| Equity capital | 14,344,000 | 14,717,000 | 14,663,000 | 14,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,426,000 | 2,806,000 | 4,138,000 | 5,440,000 |
| Interest expense | 470,000 | 900,000 | 1,283,000 | 1,633,000 |
| Net interest income | 956,000 | 1,906,000 | 2,855,000 | 3,807,000 |
| Noninterest income | 97,000 | 198,000 | 306,000 | 404,000 |
| Noninterest expense | 607,000 | 1,235,000 | 1,898,000 | 2,570,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 446,000 | 869,000 | 1,263,000 | 1,641,000 |
| Income tax | 105,000 | 218,000 | 330,000 | 372,000 |
| Net income | 341,000 | 651,000 | 933,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,520,000 | 13,830,000 | 14,111,000 | 14,447,000 |
| Total capital | 14,030,000 | 14,343,000 | 14,625,000 | 14,963,000 |
| Risk-weighted assets | 56,176,000 | 54,291,000 | 54,003,000 | 54,819,000 |