Call reports 2004
YAMPA VALLEY BANK — 2004
What YAMPA VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,264,000 | 54,388,000 | 61,148,000 | 69,916,000 |
| Total loans | 33,519,000 | 36,590,000 | 37,794,000 | 40,286,000 |
| Allowance for loan losses | 436,000 | 449,000 | 476,000 | 503,000 |
| Securities available for sale | 12,443,000 | 10,191,000 | 14,955,000 | 19,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,962,000 | 48,566,000 | 55,078,000 | 59,393,000 |
| Interest-bearing deposits | 35,373,000 | 34,104,000 | 39,040,000 | 41,157,000 |
| Noninterest-bearing deposits | 14,589,000 | 14,462,000 | 16,038,000 | 18,236,000 |
| Equity capital | 4,322,000 | 4,399,000 | 4,695,000 | 5,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 621,000 | 1,274,000 | 2,015,000 | 2,841,000 |
| Interest expense | 123,000 | 234,000 | 350,000 | 494,000 |
| Net interest income | 498,000 | 1,040,000 | 1,665,000 | 2,347,000 |
| Noninterest income | 74,000 | 165,000 | 264,000 | 423,000 |
| Noninterest expense | 463,000 | 950,000 | 1,480,000 | 2,107,000 |
| Provision for loan losses | 54,000 | 69,000 | 96,000 | 123,000 |
| Pretax income | 55,000 | 186,000 | 353,000 | 540,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 55,000 | 186,000 | 353,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,284,000 | 4,416,000 | 4,584,000 | 4,920,000 |
| Total capital | 4,720,000 | 4,865,000 | 5,060,000 | 5,423,000 |
| Risk-weighted assets | 45,563,000 | 46,432,000 | 50,359,000 | 54,214,000 |
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