Call reports 2007
YNB — 2007
What YNB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 217,416,000 | 216,793,000 | 216,949,000 | 211,452,000 |
| Total loans | 112,201,000 | 110,792,000 | 113,590,000 | 115,850,000 |
| Allowance for loan losses | 1,224,000 | 1,233,000 | 1,218,000 | 1,159,000 |
| Securities available for sale | 87,023,000 | 89,528,000 | 89,272,000 | 81,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,969,000 | 192,729,000 | 188,176,000 | 188,610,000 |
| Interest-bearing deposits | 159,728,000 | 159,066,000 | 152,949,000 | 155,700,000 |
| Noninterest-bearing deposits | 35,241,000 | 33,663,000 | 35,227,000 | 32,910,000 |
| Equity capital | 15,724,000 | 14,021,000 | 15,512,000 | 16,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,383,000 | 6,680,000 | 10,131,000 | 13,491,000 |
| Interest expense | 1,528,000 | 3,014,000 | 4,512,000 | 5,872,000 |
| Net interest income | 1,855,000 | 3,666,000 | 5,619,000 | 7,619,000 |
| Noninterest income | 234,000 | 531,000 | 807,000 | 1,045,000 |
| Noninterest expense | 1,769,000 | 3,503,000 | 5,381,000 | 7,294,000 |
| Provision for loan losses | -18,000 | -18,000 | 2,000 | 32,000 |
| Pretax income | 338,000 | 712,000 | 1,043,000 | 1,338,000 |
| Income tax | 0 | 0 | 0 | -3,000 |
| Net income | 338,000 | 712,000 | 1,043,000 | 1,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,230,000 | 14,878,000 | 14,961,000 | 15,115,000 |
| Total capital | 16,555,000 | 16,189,000 | 16,264,000 | 16,399,000 |
| Risk-weighted assets | 120,588,000 | 120,390,000 | 121,125,000 | 120,976,000 |