Call reports 2004
YELLOW MEDICINE COUNTY BANK — 2004
What YELLOW MEDICINE COUNTY 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 | 78,135,000 | 78,962,000 | 78,025,000 | 80,284,000 |
| Total loans | 35,895,000 | 38,790,000 | 38,688,000 | 39,493,000 |
| Allowance for loan losses | 868,000 | 764,000 | 791,000 | 796,000 |
| Securities available for sale | 36,838,000 | 35,222,000 | 33,904,000 | 34,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,040,000 | 60,874,000 | 64,202,000 | 65,564,000 |
| Interest-bearing deposits | 57,138,000 | 54,211,000 | 57,052,000 | 58,194,000 |
| Noninterest-bearing deposits | 6,903,000 | 6,663,000 | 7,150,000 | 7,370,000 |
| Equity capital | 7,810,000 | 6,359,000 | 7,453,000 | 7,573,000 |
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 | 992,000 | 2,021,000 | 3,059,000 | 4,086,000 |
| Interest expense | 262,000 | 528,000 | 835,000 | 1,161,000 |
| Net interest income | 730,000 | 1,493,000 | 2,224,000 | 2,925,000 |
| Noninterest income | 120,000 | 202,000 | 260,000 | 355,000 |
| Noninterest expense | 390,000 | 849,000 | 1,255,000 | 1,680,000 |
| Provision for loan losses | 2,000 | 4,000 | 11,000 | 29,000 |
| Pretax income | 463,000 | 847,000 | 1,236,000 | 1,591,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 462,000 | 846,000 | 1,235,000 | 1,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,313,000 | 7,339,000 | 7,556,000 | 7,912,000 |
| Total capital | 7,890,000 | 7,948,000 | 8,162,000 | 8,537,000 |
| Risk-weighted assets | 45,871,000 | 48,584,000 | 48,328,000 | 49,795,000 |