Call reports 2004
YNB — 2004
What YNB 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 | 145,799,000 | 158,110,000 | 153,688,000 | 155,002,000 |
| Total loans | 75,358,000 | 77,730,000 | 78,123,000 | 78,964,000 |
| Allowance for loan losses | 823,000 | 861,000 | 844,000 | 873,000 |
| Securities available for sale | 63,966,000 | 72,420,000 | 67,209,000 | 66,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,327,000 | 134,759,000 | 132,171,000 | 128,715,000 |
| Interest-bearing deposits | 106,822,000 | 111,623,000 | 108,918,000 | 106,083,000 |
| Noninterest-bearing deposits | 22,505,000 | 23,136,000 | 23,253,000 | 22,632,000 |
| Equity capital | 11,211,000 | 9,271,000 | 10,798,000 | 10,917,000 |
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 | 1,922,000 | 3,902,000 | 5,997,000 | 8,037,000 |
| Interest expense | 430,000 | 872,000 | 1,352,000 | 1,857,000 |
| Net interest income | 1,492,000 | 3,030,000 | 4,645,000 | 6,180,000 |
| Noninterest income | 222,000 | 478,000 | 749,000 | 994,000 |
| Noninterest expense | 1,293,000 | 2,614,000 | 4,074,000 | 5,442,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 376,000 | 804,000 | 1,185,000 | 1,570,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 376,000 | 804,000 | 1,185,000 | 1,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,820,000 | 10,926,000 | 11,101,000 | 11,315,000 |
| Total capital | 11,643,000 | 11,787,000 | 11,945,000 | 12,188,000 |
| Risk-weighted assets | 78,886,000 | 83,425,000 | 84,220,000 | 84,654,000 |