Call reports 2002
YOSEMITE BANK — 2002
What YOSEMITE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 122,878,000 | 130,545,000 | 132,831,000 | 138,030,000 |
| Total loans | 42,692,000 | 43,969,000 | 44,390,000 | 44,253,000 |
| Allowance for loan losses | 571,000 | 581,000 | 597,000 | 520,000 |
| Securities available for sale | 68,295,000 | 68,770,000 | 74,878,000 | 77,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,714,000 | 115,041,000 | 117,825,000 | 120,026,000 |
| Interest-bearing deposits | 79,399,000 | 80,537,000 | 82,985,000 | 83,598,000 |
| Noninterest-bearing deposits | 31,315,000 | 34,504,000 | 34,840,000 | 36,428,000 |
| Equity capital | 11,150,000 | 12,149,000 | 12,888,000 | 13,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,743,000 | 3,475,000 | 5,216,000 | 6,916,000 |
| Interest expense | 489,000 | 921,000 | 1,343,000 | 1,743,000 |
| Net interest income | 1,254,000 | 2,554,000 | 3,873,000 | 5,173,000 |
| Noninterest income | 312,000 | 666,000 | 1,295,000 | 2,219,000 |
| Noninterest expense | 1,186,000 | 2,413,000 | 3,743,000 | 5,137,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 0 |
| Pretax income | 384,000 | 815,000 | 1,421,000 | 2,279,000 |
| Income tax | 82,000 | 184,000 | 358,000 | 621,000 |
| Net income | 302,000 | 631,000 | 1,063,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,530,000 | 10,874,000 | 11,138,000 | 11,575,000 |
| Total capital | 11,101,000 | 11,455,000 | 11,735,000 | 12,155,000 |
| Risk-weighted assets | 60,192,000 | 63,058,000 | 65,001,000 | 68,777,000 |