Call reports 2021
YNB — 2021
What YNB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 224,531,000 | 230,888,000 | 230,467,000 | 233,221,000 |
| Total loans | 127,172,000 | 118,742,000 | 116,941,000 | 113,383,000 |
| Allowance for loan losses | 1,128,000 | 1,110,000 | 1,093,000 | 1,059,000 |
| Securities available for sale | 62,591,000 | 76,993,000 | 87,455,000 | 91,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,563,000 | 208,293,000 | 207,914,000 | 211,288,000 |
| Interest-bearing deposits | 123,955,000 | 130,818,000 | 131,566,000 | 133,562,000 |
| Noninterest-bearing deposits | 78,608,000 | 77,475,000 | 76,348,000 | 77,726,000 |
| Equity capital | 21,758,000 | 22,315,000 | 22,236,000 | 21,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,166,000 | 4,200,000 | 6,014,000 | 7,856,000 |
| Interest expense | 89,000 | 167,000 | 231,000 | 289,000 |
| Net interest income | 2,077,000 | 4,033,000 | 5,783,000 | 7,567,000 |
| Noninterest income | 302,000 | 635,000 | 964,000 | 1,293,000 |
| Noninterest expense | 1,809,000 | 3,690,000 | 5,513,000 | 7,403,000 |
| Provision for loan losses | 15,000 | 0 | -10,000 | -45,000 |
| Pretax income | 588,000 | 1,011,000 | 1,315,000 | 1,585,000 |
| Income tax | 0 | 54,000 | 80,000 | 108,000 |
| Net income | 588,000 | 957,000 | 1,235,000 | 1,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,086,000 | 21,455,000 | 21,548,000 | 21,346,000 |
| Total capital | 22,313,000 | 22,688,000 | 22,756,000 | 22,530,000 |
| Risk-weighted assets | 151,806,000 | 152,764,000 | 154,559,000 | 155,048,000 |