Call reports 2012
YNB — 2012
What YNB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 179,419,000 | 177,975,000 | 176,850,000 | 176,695,000 |
| Total loans | 105,519,000 | 107,794,000 | 112,473,000 | 107,347,000 |
| Allowance for loan losses | 1,060,000 | 1,080,000 | 1,121,000 | 1,132,000 |
| Securities available for sale | 44,084,000 | 41,815,000 | 37,730,000 | 44,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,965,000 | 160,135,000 | 159,100,000 | 158,659,000 |
| Interest-bearing deposits | 115,423,000 | 117,000,000 | 114,952,000 | 115,547,000 |
| Noninterest-bearing deposits | 46,542,000 | 43,135,000 | 44,148,000 | 43,112,000 |
| Equity capital | 17,090,000 | 17,416,000 | 17,252,000 | 16,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,677,000 | 3,348,000 | 5,023,000 | 6,779,000 |
| Interest expense | 205,000 | 375,000 | 531,000 | 682,000 |
| Net interest income | 1,472,000 | 2,973,000 | 4,492,000 | 6,097,000 |
| Noninterest income | 493,000 | 1,021,000 | 1,607,000 | 2,151,000 |
| Noninterest expense | 1,736,000 | 3,575,000 | 5,503,000 | 7,886,000 |
| Provision for loan losses | 30,000 | 60,000 | 146,000 | 176,000 |
| Pretax income | 245,000 | 467,000 | 608,000 | 392,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 245,000 | 467,000 | 608,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,842,000 | 16,072,000 | 15,921,000 | 15,463,000 |
| Total capital | 17,002,000 | 17,252,000 | 17,130,000 | 16,683,000 |
| Risk-weighted assets | 109,452,000 | 109,664,000 | 113,783,000 | 110,969,000 |