Call reports 2005
YAMPA VALLEY BANK — 2005
What YAMPA VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,371,000 | 79,871,000 | 86,846,000 | 88,289,000 |
| Total loans | 44,399,000 | 52,657,000 | 57,771,000 | 54,317,000 |
| Allowance for loan losses | 543,000 | 608,000 | 654,000 | 766,000 |
| Securities available for sale | 21,476,000 | 18,227,000 | 17,688,000 | 16,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,089,000 | 58,815,000 | 68,926,000 | 72,909,000 |
| Interest-bearing deposits | 42,952,000 | 38,206,000 | 45,750,000 | 48,096,000 |
| Noninterest-bearing deposits | 19,136,000 | 20,610,000 | 23,176,000 | 24,812,000 |
| Equity capital | 6,297,000 | 6,606,000 | 6,664,000 | 6,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 921,000 | 2,058,000 | 3,288,000 | 4,587,000 |
| Interest expense | 189,000 | 446,000 | 779,000 | 1,112,000 |
| Net interest income | 732,000 | 1,612,000 | 2,509,000 | 3,475,000 |
| Noninterest income | 93,000 | 196,000 | 295,000 | 385,000 |
| Noninterest expense | 632,000 | 1,310,000 | 2,073,000 | 2,886,000 |
| Provision for loan losses | 41,000 | 109,000 | 207,000 | 318,000 |
| Pretax income | 152,000 | 385,000 | 514,000 | 646,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 385,000 | 514,000 | 646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,462,000 | 6,633,000 | 6,763,000 | 6,894,000 |
| Total capital | 7,005,000 | 7,241,000 | 7,417,000 | 7,660,000 |
| Risk-weighted assets | 58,750,000 | 68,246,000 | 72,789,000 | 71,627,000 |
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