Call reports 2015
YNB — 2015
What YNB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 195,953,000 | 193,015,000 | 188,829,000 | 189,704,000 |
| Total loans | 114,780,000 | 112,561,000 | 113,863,000 | 113,106,000 |
| Allowance for loan losses | 1,116,000 | 1,103,000 | 1,100,000 | 1,043,000 |
| Securities available for sale | 47,496,000 | 53,368,000 | 46,557,000 | 46,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,530,000 | 176,247,000 | 170,550,000 | 172,055,000 |
| Interest-bearing deposits | 118,412,000 | 119,205,000 | 114,286,000 | 118,855,000 |
| Noninterest-bearing deposits | 61,118,000 | 57,042,000 | 56,264,000 | 53,200,000 |
| Equity capital | 16,265,000 | 15,931,000 | 16,573,000 | 16,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,669,000 | 3,377,000 | 5,128,000 | 6,841,000 |
| Interest expense | 118,000 | 234,000 | 354,000 | 467,000 |
| Net interest income | 1,551,000 | 3,143,000 | 4,774,000 | 6,374,000 |
| Noninterest income | 402,000 | 803,000 | 1,265,000 | 1,711,000 |
| Noninterest expense | 1,764,000 | 3,599,000 | 5,502,000 | 7,483,000 |
| Provision for loan losses | 30,000 | -135,000 | -135,000 | -170,000 |
| Pretax income | 178,000 | 503,000 | 750,000 | 850,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 178,000 | 503,000 | 750,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,418,000 | 15,586,000 | 15,646,000 | 15,595,000 |
| Total capital | 16,643,000 | 16,798,000 | 16,855,000 | 16,701,000 |
| Risk-weighted assets | 124,957,000 | 122,966,000 | 124,480,000 | 124,827,000 |