Call reports 2004
YOSEMITE BANK — 2004
What YOSEMITE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 150,520,000 | 155,909,000 | 163,260,000 | 160,850,000 |
| Total loans | 43,704,000 | 46,670,000 | 48,281,000 | 50,304,000 |
| Allowance for loan losses | 574,000 | 585,000 | 577,000 | 580,000 |
| Securities available for sale | 90,808,000 | 87,873,000 | 95,936,000 | 93,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,350,000 | 137,457,000 | 142,319,000 | 141,869,000 |
| Interest-bearing deposits | 90,662,000 | 90,848,000 | 95,857,000 | 94,601,000 |
| Noninterest-bearing deposits | 40,688,000 | 46,609,000 | 46,462,000 | 47,268,000 |
| Equity capital | 13,814,000 | 13,242,000 | 14,550,000 | 14,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,584,000 | 3,202,000 | 4,910,000 | 6,794,000 |
| Interest expense | 294,000 | 570,000 | 846,000 | 1,126,000 |
| Net interest income | 1,290,000 | 2,632,000 | 4,064,000 | 5,668,000 |
| Noninterest income | 927,000 | 2,029,000 | 3,347,000 | 4,293,000 |
| Noninterest expense | 1,337,000 | 2,849,000 | 4,439,000 | 6,090,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 865,000 | 1,906,000 | 3,055,000 | 4,244,000 |
| Income tax | 256,000 | 573,000 | 955,000 | 1,350,000 |
| Net income | 609,000 | 1,333,000 | 2,100,000 | 2,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,045,000 | 12,589,000 | 13,251,000 | 13,902,000 |
| Total capital | 12,626,000 | 13,194,000 | 13,848,000 | 14,502,000 |
| Risk-weighted assets | 70,191,000 | 75,938,000 | 78,232,000 | 77,518,000 |