Call reports 2005
YELLOW MEDICINE COUNTY BANK — 2005
What YELLOW MEDICINE COUNTY 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 | 74,757,000 | 78,194,000 | 77,027,000 | 84,232,000 |
| Total loans | 36,490,000 | 37,446,000 | 36,627,000 | 36,404,000 |
| Allowance for loan losses | 802,000 | 678,000 | 499,000 | 411,000 |
| Securities available for sale | 33,673,000 | 33,609,000 | 34,613,000 | 33,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,162,000 | 64,976,000 | 63,753,000 | 70,922,000 |
| Interest-bearing deposits | 55,956,000 | 58,033,000 | 56,896,000 | 59,483,000 |
| Noninterest-bearing deposits | 6,206,000 | 6,943,000 | 6,857,000 | 11,439,000 |
| Equity capital | 6,214,000 | 6,787,000 | 6,731,000 | 6,764,000 |
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 | 1,004,000 | 2,012,000 | 3,043,000 | 4,094,000 |
| Interest expense | 339,000 | 719,000 | 1,146,000 | 1,624,000 |
| Net interest income | 665,000 | 1,293,000 | 1,897,000 | 2,470,000 |
| Noninterest income | 78,000 | 146,000 | 276,000 | 341,000 |
| Noninterest expense | 421,000 | 859,000 | 1,244,000 | 1,672,000 |
| Provision for loan losses | 17,000 | 34,000 | 0 | -90,000 |
| Pretax income | 305,000 | 551,000 | 934,000 | 1,234,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 304,000 | 550,000 | 933,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,075,000 | 7,089,000 | 7,306,000 | 7,606,000 |
| Total capital | 7,654,000 | 7,688,000 | 7,805,000 | 8,017,000 |
| Risk-weighted assets | 46,120,000 | 47,864,000 | 47,153,000 | 48,357,000 |