Call reports 2006
YELLOW MEDICINE COUNTY BANK — 2006
What YELLOW MEDICINE COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 93,194,000 | 80,258,000 | 81,158,000 | 85,173,000 |
| Total loans | 35,525,000 | 38,953,000 | 38,038,000 | 38,178,000 |
| Allowance for loan losses | 416,000 | 427,000 | 433,000 | 381,000 |
| Securities available for sale | 32,825,000 | 30,732,000 | 29,839,000 | 29,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,802,000 | 61,548,000 | 63,222,000 | 67,044,000 |
| Interest-bearing deposits | 57,892,000 | 55,388,000 | 56,159,000 | 59,122,000 |
| Noninterest-bearing deposits | 22,910,000 | 6,160,000 | 7,063,000 | 7,922,000 |
| Equity capital | 5,856,000 | 11,037,000 | 11,828,000 | 12,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,111,000 | 491,000 | 1,613,000 | 2,750,000 |
| Interest expense | 495,000 | 256,000 | 820,000 | 1,381,000 |
| Net interest income | 616,000 | 235,000 | 793,000 | 1,369,000 |
| Noninterest income | 69,000 | 28,000 | 94,000 | 154,000 |
| Noninterest expense | 420,000 | 179,000 | 593,000 | 998,000 |
| Provision for loan losses | 0 | 0 | 0 | -60,000 |
| Pretax income | 265,000 | 84,000 | 294,000 | 564,000 |
| Income tax | 1,000 | 0 | 0 | 0 |
| Net income | 264,000 | 84,000 | 294,000 | 564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,808,000 | 6,695,000 | 6,905,000 | 7,100,000 |
| Total capital | 7,224,000 | 7,122,000 | 7,338,000 | 7,481,000 |
| Risk-weighted assets | 49,510,000 | 47,826,000 | 47,481,000 | 48,470,000 |