Call reports 2003
YELLOW MEDICINE COUNTY BANK — 2003
What YELLOW MEDICINE COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 75,840,000 | 76,594,000 | 74,728,000 | 77,931,000 |
| Total loans | 38,199,000 | 37,834,000 | 36,919,000 | 36,024,000 |
| Allowance for loan losses | 519,000 | 675,000 | 797,000 | 863,000 |
| Securities available for sale | 29,022,000 | 26,673,000 | 32,369,000 | 29,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,905,000 | 62,512,000 | 59,426,000 | 63,592,000 |
| Interest-bearing deposits | 56,343,000 | 56,257,000 | 53,388,000 | 57,449,000 |
| Noninterest-bearing deposits | 5,562,000 | 6,255,000 | 6,038,000 | 6,143,000 |
| Equity capital | 7,514,000 | 7,692,000 | 7,444,000 | 8,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,074,000 | 2,137,000 | 3,174,000 | 4,225,000 |
| Interest expense | 366,000 | 690,000 | 978,000 | 1,250,000 |
| Net interest income | 708,000 | 1,447,000 | 2,196,000 | 2,975,000 |
| Noninterest income | 112,000 | 217,000 | 317,000 | 571,000 |
| Noninterest expense | 400,000 | 870,000 | 1,269,000 | 1,718,000 |
| Provision for loan losses | 33,000 | 67,000 | 99,000 | 110,000 |
| Pretax income | 388,000 | 736,000 | 1,155,000 | 1,728,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 387,000 | 735,000 | 1,154,000 | 1,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,238,000 | 7,282,000 | 7,532,000 | 8,104,000 |
| Total capital | 7,757,000 | 7,869,000 | 8,114,000 | 8,683,000 |
| Risk-weighted assets | 46,425,000 | 46,855,000 | 46,346,000 | 46,049,000 |