Call reports 2012
YAMPA VALLEY BANK — 2012
What YAMPA VALLEY 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 | 184,281,000 | 179,026,000 | 186,810,000 | 186,277,000 |
| Total loans | 104,527,000 | 109,768,000 | 111,115,000 | 116,301,000 |
| Allowance for loan losses | 2,803,000 | 2,852,000 | 2,461,000 | 2,454,000 |
| Securities available for sale | 49,853,000 | 54,709,000 | 55,862,000 | 54,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,030,000 | 154,010,000 | 162,663,000 | 162,658,000 |
| Interest-bearing deposits | 114,737,000 | 115,278,000 | 119,769,000 | 117,979,000 |
| Noninterest-bearing deposits | 47,293,000 | 38,732,000 | 42,894,000 | 44,680,000 |
| Equity capital | 16,578,000 | 17,446,000 | 18,324,000 | 18,408,000 |
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 | 1,964,000 | 4,005,000 | 6,057,000 | 8,097,000 |
| Interest expense | 184,000 | 366,000 | 554,000 | 719,000 |
| Net interest income | 1,780,000 | 3,639,000 | 5,503,000 | 7,378,000 |
| Noninterest income | 366,000 | 825,000 | 1,312,000 | 1,722,000 |
| Noninterest expense | 1,415,000 | 2,814,000 | 4,283,000 | 5,704,000 |
| Provision for loan losses | 450,000 | 825,000 | 1,125,000 | 1,425,000 |
| Pretax income | 288,000 | 826,000 | 1,405,000 | 2,044,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 288,000 | 826,000 | 1,405,000 | 2,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,104,000 | 16,643,000 | 17,223,000 | 17,454,000 |
| Total capital | 17,619,000 | 18,225,000 | 18,844,000 | 19,119,000 |
| Risk-weighted assets | 119,750,000 | 125,600,000 | 128,858,000 | 132,395,000 |