Call reports 2009
YOAKUM BANK — 2009
What YOAKUM BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 133,409,000 | 129,634,000 | 133,536,000 | 140,793,000 |
| Total loans | 56,606,000 | 56,129,000 | 59,218,000 | 59,248,000 |
| Allowance for loan losses | 647,000 | 650,000 | 650,000 | 709,000 |
| Securities available for sale | 62,317,000 | 60,320,000 | 62,056,000 | 67,173,000 |
| Securities held to maturity | 173,000 | 172,000 | 172,000 | 172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,287,000 | 109,865,000 | 112,620,000 | 121,270,000 |
| Interest-bearing deposits | 91,884,000 | 88,405,000 | 91,196,000 | 97,974,000 |
| Noninterest-bearing deposits | 21,403,000 | 21,460,000 | 21,424,000 | 23,296,000 |
| Equity capital | 18,657,000 | 18,620,000 | 19,427,000 | 18,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,387,000 | 4,977,000 | 6,602,000 |
| Interest expense | 564,000 | 1,091,000 | 1,583,000 | 2,070,000 |
| Net interest income | 1,152,000 | 2,296,000 | 3,394,000 | 4,532,000 |
| Noninterest income | 137,000 | 240,000 | 337,000 | 454,000 |
| Noninterest expense | 713,000 | 1,445,000 | 2,184,000 | 2,855,000 |
| Provision for loan losses | 0 | 0 | 0 | 175,000 |
| Pretax income | 576,000 | 1,091,000 | 1,547,000 | 1,956,000 |
| Income tax | 165,000 | 304,000 | 435,000 | 481,000 |
| Net income | 411,000 | 787,000 | 1,112,000 | 1,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,062,000 | 17,439,000 | 17,764,000 | 16,726,000 |
| Total capital | 17,709,000 | 18,089,000 | 18,414,000 | 17,435,000 |
| Risk-weighted assets | 60,306,000 | 59,159,000 | 61,952,000 | 63,974,000 |