Call reports 2007
YOAKUM BANK — 2007
What YOAKUM BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 117,818,000 | 117,586,000 | 119,710,000 | 123,218,000 |
| Total loans | 56,777,000 | 57,252,000 | 57,608,000 | 56,597,000 |
| Allowance for loan losses | 619,000 | 621,000 | 623,000 | 624,000 |
| Securities available for sale | 46,855,000 | 50,903,000 | 50,426,000 | 54,308,000 |
| Securities held to maturity | 275,000 | 275,000 | 275,000 | 275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,171,000 | 100,846,000 | 102,147,000 | 106,044,000 |
| Interest-bearing deposits | 78,943,000 | 81,013,000 | 81,568,000 | 85,018,000 |
| Noninterest-bearing deposits | 22,229,000 | 19,833,000 | 20,580,000 | 21,026,000 |
| Equity capital | 16,056,000 | 16,185,000 | 16,898,000 | 16,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,596,000 | 3,259,000 | 4,954,000 | 6,678,000 |
| Interest expense | 635,000 | 1,308,000 | 2,014,000 | 2,729,000 |
| Net interest income | 961,000 | 1,951,000 | 2,940,000 | 3,949,000 |
| Noninterest income | 99,000 | 205,000 | 318,000 | 432,000 |
| Noninterest expense | 661,000 | 1,341,000 | 2,014,000 | 2,658,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 399,000 | 815,000 | 1,244,000 | 1,723,000 |
| Income tax | 100,000 | 205,000 | 310,000 | 387,000 |
| Net income | 299,000 | 610,000 | 934,000 | 1,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,309,000 | 16,620,000 | 16,945,000 | 16,247,000 |
| Total capital | 16,928,000 | 17,241,000 | 17,568,000 | 16,871,000 |
| Risk-weighted assets | 58,760,000 | 59,141,000 | 59,787,000 | 59,791,000 |