Call reports 2025
YNB — 2025
What YNB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 242,898,000 | 241,435,000 | 241,185,000 | 248,889,000 |
| Total loans | 131,532,000 | 125,040,000 | 122,543,000 | 126,342,000 |
| Allowance for loan losses | 1,141,000 | 1,136,000 | 1,135,000 | 1,105,000 |
| Securities available for sale | 75,869,000 | 75,882,000 | 81,052,000 | 86,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,971,000 | 221,236,000 | 220,072,000 | 227,206,000 |
| Interest-bearing deposits | 157,525,000 | 152,804,000 | 151,911,000 | 160,086,000 |
| Noninterest-bearing deposits | 66,446,000 | 68,432,000 | 68,161,000 | 67,120,000 |
| Equity capital | 18,187,000 | 19,074,000 | 19,849,000 | 20,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,782,000 | 5,592,000 | 8,515,000 | 11,424,000 |
| Interest expense | 800,000 | 1,639,000 | 2,487,000 | 3,322,000 |
| Net interest income | 1,982,000 | 3,953,000 | 6,028,000 | 8,102,000 |
| Noninterest income | 287,000 | 567,000 | 869,000 | 1,176,000 |
| Noninterest expense | 1,964,000 | 3,999,000 | 6,119,000 | 8,293,000 |
| Provision for loan losses | -9,000 | -9,000 | -9,000 | -38,000 |
| Pretax income | 288,000 | 511,000 | 768,000 | 1,001,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 288,000 | 511,000 | 768,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,912,000 | 21,949,000 | 22,055,000 | 22,113,000 |
| Total capital | 23,173,000 | 23,198,000 | 23,303,000 | 23,334,000 |
| Risk-weighted assets | 170,223,000 | 161,294,000 | 160,196,000 | 163,912,000 |