Call reports 2015
YOAKUM BANK — 2015
What YOAKUM BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 241,557,000 | 233,172,000 | 232,209,000 | 224,193,000 |
| Total loans | 81,831,000 | 79,035,000 | 81,158,000 | 80,506,000 |
| Allowance for loan losses | 818,000 | 819,000 | 825,000 | 852,000 |
| Securities available for sale | 144,634,000 | 143,001,000 | 139,293,000 | 132,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,664,000 | 203,483,000 | 200,275,000 | 196,160,000 |
| Interest-bearing deposits | 181,344,000 | 173,281,000 | 169,240,000 | 168,016,000 |
| Noninterest-bearing deposits | 32,320,000 | 30,203,000 | 31,035,000 | 28,144,000 |
| Equity capital | 26,510,000 | 26,625,000 | 27,636,000 | 27,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,789,000 | 3,594,000 | 5,402,000 | 7,189,000 |
| Interest expense | 269,000 | 543,000 | 802,000 | 1,050,000 |
| Net interest income | 1,520,000 | 3,051,000 | 4,600,000 | 6,139,000 |
| Noninterest income | 145,000 | 290,000 | 444,000 | 612,000 |
| Noninterest expense | 865,000 | 1,730,000 | 2,613,000 | 3,512,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 31,000 |
| Pretax income | 800,000 | 1,611,000 | 2,425,000 | 3,208,000 |
| Income tax | 227,000 | 455,000 | 682,000 | 1,035,000 |
| Net income | 573,000 | 1,156,000 | 1,743,000 | 2,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,521,000 | 26,104,000 | 26,692,000 | 27,227,000 |
| Total capital | 26,339,000 | 26,923,000 | 27,517,000 | 28,079,000 |
| Risk-weighted assets | 98,546,000 | 94,197,000 | 97,990,000 | 82,736,000 |