Call reports 2024
YNB — 2024
What YNB reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 252,911,000 | 249,009,000 | 263,498,000 | 226,397,000 |
| Total loans | 127,800,000 | 129,504,000 | 128,670,000 | 128,552,000 |
| Allowance for loan losses | 1,109,000 | 1,133,000 | 1,127,000 | 1,152,000 |
| Securities available for sale | 88,778,000 | 85,950,000 | 80,369,000 | 75,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,724,000 | 230,866,000 | 243,157,000 | 200,156,000 |
| Interest-bearing deposits | 165,497,000 | 164,178,000 | 175,277,000 | 136,183,000 |
| Noninterest-bearing deposits | 70,227,000 | 66,688,000 | 67,880,000 | 63,973,000 |
| Equity capital | 16,681,000 | 17,357,000 | 19,584,000 | 18,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,819,000 | 5,727,000 | 8,665,000 | 11,696,000 |
| Interest expense | 470,000 | 999,000 | 1,930,000 | 2,652,000 |
| Net interest income | 2,349,000 | 4,728,000 | 6,735,000 | 9,044,000 |
| Noninterest income | 287,000 | 581,000 | 883,000 | 1,186,000 |
| Noninterest expense | 2,001,000 | 4,119,000 | 6,089,000 | 8,358,000 |
| Provision for loan losses | 10,000 | 35,000 | 35,000 | 61,000 |
| Pretax income | 625,000 | 1,186,000 | 1,530,000 | 1,868,000 |
| Income tax | 21,000 | 54,000 | 85,000 | 116,000 |
| Net income | 604,000 | 1,132,000 | 1,445,000 | 1,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,193,000 | 23,356,000 | 23,259,000 | 23,340,000 |
| Total capital | 24,437,000 | 24,599,000 | 24,496,000 | 24,586,000 |
| Risk-weighted assets | 169,522,000 | 170,034,000 | 165,197,000 | 163,556,000 |