Call reports 2013
YNB — 2013
What YNB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 182,516,000 | 181,109,000 | 183,827,000 | 186,329,000 |
| Total loans | 106,283,000 | 108,106,000 | 108,400,000 | 110,815,000 |
| Allowance for loan losses | 1,143,000 | 1,006,000 | 972,000 | 985,000 |
| Securities available for sale | 45,379,000 | 49,460,000 | 52,061,000 | 51,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,690,000 | 166,106,000 | 163,140,000 | 172,184,000 |
| Interest-bearing deposits | 119,754,000 | 118,186,000 | 113,260,000 | 120,949,000 |
| Noninterest-bearing deposits | 45,936,000 | 47,920,000 | 49,880,000 | 51,235,000 |
| Equity capital | 16,388,000 | 14,505,000 | 14,351,000 | 13,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,598,000 | 3,304,000 | 4,998,000 | 6,632,000 |
| Interest expense | 149,000 | 301,000 | 446,000 | 589,000 |
| Net interest income | 1,449,000 | 3,003,000 | 4,552,000 | 6,043,000 |
| Noninterest income | 397,000 | 763,000 | 1,121,000 | 1,454,000 |
| Noninterest expense | 1,735,000 | 3,581,000 | 5,435,000 | 7,183,000 |
| Provision for loan losses | 30,000 | 160,000 | 129,000 | 174,000 |
| Pretax income | 109,000 | 83,000 | 169,000 | 210,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 109,000 | 83,000 | 169,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,380,000 | 15,276,000 | 15,310,000 | 15,299,000 |
| Total capital | 16,611,000 | 16,370,000 | 16,446,000 | 16,448,000 |
| Risk-weighted assets | 113,885,000 | 117,373,000 | 118,788,000 | 120,469,000 |
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