Call reports 2005
YOAKUM BANK — 2005
What YOAKUM BANK 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 | 117,106,000 | 111,288,000 | 112,409,000 | 113,819,000 |
| Total loans | 49,717,000 | 51,204,000 | 51,468,000 | 53,832,000 |
| Allowance for loan losses | 523,000 | 533,000 | 538,000 | 555,000 |
| Securities available for sale | 52,175,000 | 51,741,000 | 46,737,000 | 45,335,000 |
| Securities held to maturity | 368,000 | 368,000 | 368,000 | 867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,385,000 | 95,161,000 | 97,066,000 | 98,183,000 |
| Interest-bearing deposits | 77,821,000 | 78,043,000 | 78,243,000 | 79,175,000 |
| Noninterest-bearing deposits | 23,564,000 | 17,117,000 | 18,823,000 | 19,008,000 |
| Equity capital | 15,295,000 | 15,606,000 | 14,878,000 | 15,338,000 |
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 | 1,272,000 | 2,576,000 | 3,913,000 | 5,287,000 |
| Interest expense | 337,000 | 700,000 | 1,090,000 | 1,518,000 |
| Net interest income | 935,000 | 1,876,000 | 2,823,000 | 3,769,000 |
| Noninterest income | 98,000 | 185,000 | 268,000 | 656,000 |
| Noninterest expense | 612,000 | 1,239,000 | 1,877,000 | 2,548,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 421,000 | 822,000 | 1,214,000 | 1,862,000 |
| Income tax | 115,000 | 228,000 | 325,000 | 452,000 |
| Net income | 306,000 | 594,000 | 889,000 | 1,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,667,000 | 15,954,000 | 15,249,000 | 15,770,000 |
| Total capital | 16,189,000 | 16,486,000 | 15,787,000 | 16,325,000 |
| Risk-weighted assets | 54,326,000 | 68,429,000 | 67,670,000 | 55,545,000 |
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