Call reports 2006
YOAKUM BANK — 2006
What YOAKUM BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 113,699,000 | 110,908,000 | 113,169,000 | 113,928,000 |
| Total loans | 55,103,000 | 55,575,000 | 55,912,000 | 55,625,000 |
| Allowance for loan losses | 575,000 | 593,000 | 615,000 | 617,000 |
| Securities available for sale | 45,507,000 | 45,805,000 | 47,012,000 | 47,815,000 |
| Securities held to maturity | 421,000 | 322,000 | 323,000 | 322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,575,000 | 94,778,000 | 96,466,000 | 97,837,000 |
| Interest-bearing deposits | 76,963,000 | 69,380,000 | 71,035,000 | 77,360,000 |
| Noninterest-bearing deposits | 20,612,000 | 25,399,000 | 25,431,000 | 20,477,000 |
| Equity capital | 15,656,000 | 15,689,000 | 16,138,000 | 15,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,405,000 | 2,863,000 | 4,372,000 | 5,936,000 |
| Interest expense | 462,000 | 972,000 | 1,522,000 | 2,108,000 |
| Net interest income | 943,000 | 1,891,000 | 2,850,000 | 3,828,000 |
| Noninterest income | 92,000 | 184,000 | 279,000 | 364,000 |
| Noninterest expense | 628,000 | 1,290,000 | 1,967,000 | 2,618,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 392,000 | 755,000 | 1,117,000 | 1,529,000 |
| Income tax | 105,000 | 205,000 | 295,000 | 340,000 |
| Net income | 287,000 | 550,000 | 822,000 | 1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,057,000 | 16,321,000 | 16,593,000 | 16,010,000 |
| Total capital | 16,632,000 | 16,914,000 | 17,208,000 | 16,627,000 |
| Risk-weighted assets | 56,988,000 | 56,038,000 | 56,614,000 | 56,351,000 |