Call reports 2001
YOSEMITE BANK — 2001
What YOSEMITE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 114,445,000 | 116,895,000 | 123,180,000 | 121,067,000 |
| Total loans | 46,441,000 | 46,890,000 | 44,658,000 | 42,837,000 |
| Allowance for loan losses | 544,000 | 560,000 | 567,000 | 567,000 |
| Securities available for sale | 50,908,000 | 52,154,000 | 54,168,000 | 59,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,010,000 | 105,496,000 | 109,719,000 | 108,949,000 |
| Interest-bearing deposits | 74,938,000 | 76,591,000 | 80,207,000 | 79,566,000 |
| Noninterest-bearing deposits | 28,072,000 | 28,905,000 | 29,512,000 | 29,383,000 |
| Equity capital | 10,448,000 | 10,591,000 | 11,235,000 | 11,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,858,000 | 3,731,000 | 5,602,000 | 7,371,000 |
| Interest expense | 706,000 | 1,414,000 | 2,092,000 | 2,689,000 |
| Net interest income | 1,152,000 | 2,317,000 | 3,510,000 | 4,682,000 |
| Noninterest income | 447,000 | 797,000 | 1,149,000 | 1,498,000 |
| Noninterest expense | 1,132,000 | 2,255,000 | 3,366,000 | 4,516,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 501,000 | 911,000 | 1,330,000 | 1,766,000 |
| Income tax | 152,000 | 264,000 | 377,000 | 485,000 |
| Net income | 349,000 | 647,000 | 953,000 | 1,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,781,000 | 10,039,000 | 10,186,000 | 10,373,000 |
| Total capital | 10,325,000 | 10,599,000 | 10,753,000 | 10,940,000 |
| Risk-weighted assets | 59,141,000 | 59,347,000 | 59,864,000 | 58,629,000 |