Call reports 2003
YOSEMITE BANK — 2003
What YOSEMITE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 138,901,000 | 146,227,000 | 148,827,000 | 147,042,000 |
| Total loans | 42,474,000 | 40,762,000 | 38,673,000 | 37,376,000 |
| Allowance for loan losses | 531,000 | 546,000 | 479,000 | 541,000 |
| Securities available for sale | 76,697,000 | 84,610,000 | 80,925,000 | 93,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,630,000 | 125,008,000 | 130,720,000 | 128,273,000 |
| Interest-bearing deposits | 85,344,000 | 87,052,000 | 89,975,000 | 89,881,000 |
| Noninterest-bearing deposits | 35,286,000 | 37,956,000 | 40,745,000 | 38,392,000 |
| Equity capital | 13,630,000 | 14,444,000 | 14,284,000 | 14,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,537,000 | 3,112,000 | 4,578,000 | 6,114,000 |
| Interest expense | 365,000 | 708,000 | 1,033,000 | 1,349,000 |
| Net interest income | 1,172,000 | 2,404,000 | 3,545,000 | 4,765,000 |
| Noninterest income | 950,000 | 1,895,000 | 2,410,000 | 3,204,000 |
| Noninterest expense | 1,333,000 | 2,641,000 | 3,909,000 | 5,258,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 0 |
| Pretax income | 838,000 | 1,691,000 | 2,081,000 | 2,777,000 |
| Income tax | 267,000 | 534,000 | 586,000 | 782,000 |
| Net income | 571,000 | 1,157,000 | 1,495,000 | 1,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,989,000 | 12,718,000 | 12,887,000 | 13,270,000 |
| Total capital | 12,580,000 | 13,324,000 | 13,425,000 | 13,836,000 |
| Risk-weighted assets | 70,994,000 | 71,196,000 | 74,299,000 | 74,774,000 |