Call reports 2012
YOAKUM BANK — 2012
What YOAKUM BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 181,339,000 | 181,009,000 | 184,930,000 | 187,369,000 |
| Total loans | 64,298,000 | 66,983,000 | 67,677,000 | 73,418,000 |
| Allowance for loan losses | 799,000 | 786,000 | 782,000 | 784,000 |
| Securities available for sale | 107,248,000 | 105,845,000 | 102,628,000 | 103,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,620,000 | 155,357,000 | 158,535,000 | 161,316,000 |
| Interest-bearing deposits | 124,070,000 | 129,767,000 | 132,959,000 | 136,740,000 |
| Noninterest-bearing deposits | 32,550,000 | 25,590,000 | 25,575,000 | 24,577,000 |
| Equity capital | 22,819,000 | 23,627,000 | 24,228,000 | 24,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,701,000 | 3,370,000 | 5,040,000 | 6,662,000 |
| Interest expense | 338,000 | 653,000 | 960,000 | 1,265,000 |
| Net interest income | 1,363,000 | 2,717,000 | 4,080,000 | 5,397,000 |
| Noninterest income | 113,000 | 238,000 | 366,000 | 489,000 |
| Noninterest expense | 782,000 | 1,572,000 | 2,350,000 | 3,155,000 |
| Provision for loan losses | 10,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 684,000 | 1,358,000 | 2,071,000 | 2,706,000 |
| Income tax | 192,000 | 345,000 | 497,000 | 747,000 |
| Net income | 492,000 | 1,013,000 | 1,574,000 | 1,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,567,000 | 21,087,000 | 21,647,000 | 22,033,000 |
| Total capital | 21,366,000 | 21,872,000 | 22,429,000 | 22,818,000 |
| Risk-weighted assets | 73,699,000 | 76,012,000 | 77,191,000 | 82,395,000 |