Call reports 2016
YNB — 2016
What YNB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 188,274,000 | 186,374,000 | 190,572,000 | 196,625,000 |
| Total loans | 111,381,000 | 108,967,000 | 106,429,000 | 110,643,000 |
| Allowance for loan losses | 1,068,000 | 1,031,000 | 995,000 | 927,000 |
| Securities available for sale | 46,701,000 | 50,530,000 | 50,115,000 | 60,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,575,000 | 169,125,000 | 173,645,000 | 175,603,000 |
| Interest-bearing deposits | 118,929,000 | 117,153,000 | 118,936,000 | 119,753,000 |
| Noninterest-bearing deposits | 52,646,000 | 51,972,000 | 54,709,000 | 55,850,000 |
| Equity capital | 16,536,000 | 17,092,000 | 16,660,000 | 15,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,660,000 | 3,288,000 | 4,845,000 | 6,439,000 |
| Interest expense | 111,000 | 221,000 | 331,000 | 446,000 |
| Net interest income | 1,549,000 | 3,067,000 | 4,514,000 | 5,993,000 |
| Noninterest income | 480,000 | 981,000 | 1,463,000 | 1,902,000 |
| Noninterest expense | 1,913,000 | 3,743,000 | 5,743,000 | 7,482,000 |
| Provision for loan losses | 30,000 | 50,000 | 20,000 | 20,000 |
| Pretax income | 201,000 | 427,000 | 550,000 | 741,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 427,000 | 550,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,496,000 | 15,446,000 | 15,405,000 | 15,471,000 |
| Total capital | 16,627,000 | 16,540,000 | 16,463,000 | 16,401,000 |
| Risk-weighted assets | 124,884,000 | 122,928,000 | 124,081,000 | 131,523,000 |