Call reports 2020
YOAKUM BANK — 2020
What YOAKUM BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 230,860,000 | 238,392,000 | 243,493,000 | 219,603,000 |
| Total loans | 100,651,000 | 100,148,000 | 94,223,000 | 91,653,000 |
| Allowance for loan losses | 1,040,000 | 1,100,000 | 1,141,000 | 1,138,000 |
| Securities available for sale | 93,055,000 | 109,018,000 | 117,470,000 | 116,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,048,000 | 200,457,000 | 194,241,000 | 171,237,000 |
| Interest-bearing deposits | 162,275,000 | 163,712,000 | 160,408,000 | 137,201,000 |
| Noninterest-bearing deposits | 32,772,000 | 36,744,000 | 33,833,000 | 34,036,000 |
| Equity capital | 34,831,000 | 36,833,000 | 37,213,000 | 36,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,995,000 | 3,896,000 | 5,745,000 | 7,534,000 |
| Interest expense | 359,000 | 623,000 | 846,000 | 990,000 |
| Net interest income | 1,636,000 | 3,273,000 | 4,899,000 | 6,544,000 |
| Noninterest income | 193,000 | 460,000 | 642,000 | 832,000 |
| Noninterest expense | 1,048,000 | 2,213,000 | 3,344,000 | 4,410,000 |
| Provision for loan losses | 30,000 | 90,000 | 131,000 | 130,000 |
| Pretax income | 751,000 | 1,514,000 | 2,151,000 | 2,835,000 |
| Income tax | 5,000 | 10,000 | 10,000 | 10,000 |
| Net income | 746,000 | 1,504,000 | 2,141,000 | 2,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,730,000 | 32,988,000 | 33,325,000 | 32,510,000 |
| Total capital | 33,770,000 | 34,088,000 | — | — |
| Risk-weighted assets | 108,264,000 | 108,515,000 | — | — |