Call reports 2003
YNB — 2003
What YNB 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 | 136,794,000 | 141,406,000 | 141,426,000 | 146,056,000 |
| Total loans | 68,076,000 | 71,690,000 | 71,731,000 | 73,562,000 |
| Allowance for loan losses | 703,000 | 700,000 | 741,000 | 777,000 |
| Securities available for sale | 61,976,000 | 62,788,000 | 64,428,000 | 65,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,819,000 | 120,414,000 | 115,860,000 | 114,646,000 |
| Interest-bearing deposits | 96,456,000 | 98,009,000 | 93,059,000 | 92,316,000 |
| Noninterest-bearing deposits | 22,363,000 | 22,405,000 | 22,801,000 | 22,330,000 |
| Equity capital | 10,173,000 | 10,448,000 | 10,377,000 | 10,350,000 |
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 | 1,609,000 | 3,325,000 | 4,891,000 | 6,757,000 |
| Interest expense | 475,000 | 940,000 | 1,340,000 | 1,746,000 |
| Net interest income | 1,134,000 | 2,385,000 | 3,551,000 | 5,011,000 |
| Noninterest income | 259,000 | 566,000 | 895,000 | 1,128,000 |
| Noninterest expense | 1,157,000 | 2,407,000 | 3,662,000 | 4,957,000 |
| Provision for loan losses | -30,000 | 15,000 | 60,000 | 97,000 |
| Pretax income | 292,000 | 575,000 | 839,000 | 1,200,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 292,000 | 575,000 | 839,000 | 1,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,936,000 | 10,120,000 | 10,233,000 | 10,444,000 |
| Total capital | 10,639,000 | 10,820,000 | 10,974,000 | 11,221,000 |
| Risk-weighted assets | 72,760,000 | 75,033,000 | 75,125,000 | 77,392,000 |
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