Call reports 2008
YOAKUM BANK — 2008
What YOAKUM BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 129,779,000 | 137,342,000 | 140,077,000 | 132,839,000 |
| Total loans | 57,227,000 | 56,914,000 | 56,498,000 | 57,066,000 |
| Allowance for loan losses | 640,000 | 642,000 | 644,000 | 646,000 |
| Securities available for sale | 57,405,000 | 65,590,000 | 63,762,000 | 64,396,000 |
| Securities held to maturity | 225,000 | 225,000 | 225,000 | 225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,024,000 | 119,471,000 | 120,887,000 | 113,708,000 |
| Interest-bearing deposits | 89,706,000 | 98,019,000 | 97,131,000 | 91,824,000 |
| Noninterest-bearing deposits | 21,318,000 | 21,452,000 | 23,755,000 | 21,884,000 |
| Equity capital | 17,608,000 | 17,171,000 | 18,261,000 | 18,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,736,000 | 3,491,000 | 5,320,000 | 7,083,000 |
| Interest expense | 726,000 | 1,410,000 | 2,065,000 | 2,699,000 |
| Net interest income | 1,010,000 | 2,081,000 | 3,255,000 | 4,384,000 |
| Noninterest income | 109,000 | 210,000 | 318,000 | 430,000 |
| Noninterest expense | 640,000 | 1,305,000 | 1,970,000 | 2,683,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 479,000 | 986,000 | 1,603,000 | 2,131,000 |
| Income tax | 105,000 | 210,000 | 345,000 | 527,000 |
| Net income | 374,000 | 776,000 | 1,258,000 | 1,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,621,000 | 17,023,000 | 17,505,000 | 16,650,000 |
| Total capital | 17,261,000 | 17,664,000 | 18,149,000 | 17,296,000 |
| Risk-weighted assets | 61,194,000 | 63,020,000 | 62,071,000 | 60,850,000 |