Call reports 2004
YOAKUM BANK — 2004
What YOAKUM BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 118,870,000 | 112,880,000 | 111,805,000 | 112,975,000 |
| Total loans | 50,709,000 | 49,673,000 | 48,814,000 | 50,072,000 |
| Allowance for loan losses | 517,000 | 523,000 | 525,000 | 521,000 |
| Securities available for sale | 50,625,000 | 49,218,000 | 49,207,000 | 48,646,000 |
| Securities held to maturity | 447,000 | 447,000 | 412,000 | 412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,957,000 | 97,863,000 | 95,169,000 | 97,412,000 |
| Interest-bearing deposits | 86,492,000 | 81,761,000 | 76,549,000 | 74,337,000 |
| Noninterest-bearing deposits | 16,465,000 | 16,103,000 | 18,621,000 | 23,074,000 |
| Equity capital | 15,315,000 | 14,549,000 | 15,895,000 | 15,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,512,000 | 4,344,000 | 5,599,000 |
| Interest expense | 331,000 | 652,000 | 954,000 | 1,253,000 |
| Net interest income | 944,000 | 1,860,000 | 3,390,000 | 4,346,000 |
| Noninterest income | 92,000 | 185,000 | 383,000 | 476,000 |
| Noninterest expense | 612,000 | 1,220,000 | 2,015,000 | 2,659,000 |
| Provision for loan losses | 0 | 0 | -455,000 | -455,000 |
| Pretax income | 424,000 | 825,000 | 2,251,000 | 2,656,000 |
| Income tax | 112,000 | 225,000 | 653,000 | 737,000 |
| Net income | 312,000 | 600,000 | 1,598,000 | 1,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,760,000 | 14,741,000 | 15,739,000 | 15,360,000 |
| Total capital | 15,277,000 | 15,264,000 | 16,264,000 | 15,881,000 |
| Risk-weighted assets | 54,945,000 | 53,582,000 | 52,441,000 | 53,459,000 |