Call reports 2003
BANK OF YAZOO CITY — 2003
What BANK OF YAZOO CITY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 136,156,000 | 138,746,000 | 136,177,000 | 144,242,000 |
| Total loans | 71,979,000 | 79,692,000 | 87,535,000 | 96,711,000 |
| Allowance for loan losses | 1,150,000 | 1,144,000 | 1,194,000 | 1,343,000 |
| Securities available for sale | 45,769,000 | 41,838,000 | 31,032,000 | 29,820,000 |
| Securities held to maturity | 7,840,000 | 5,123,000 | 4,204,000 | 3,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,876,000 | 116,898,000 | 115,584,000 | 114,394,000 |
| Interest-bearing deposits | 105,857,000 | 103,749,000 | 101,789,000 | 100,459,000 |
| Noninterest-bearing deposits | 13,019,000 | 13,149,000 | 13,795,000 | 13,935,000 |
| Equity capital | 15,928,000 | 16,235,000 | 16,322,000 | 15,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,710,000 | 3,402,000 | 5,177,000 | 7,003,000 |
| Interest expense | 582,000 | 1,134,000 | 1,635,000 | 2,123,000 |
| Net interest income | 1,128,000 | 2,268,000 | 3,542,000 | 4,880,000 |
| Noninterest income | 138,000 | 329,000 | 535,000 | 842,000 |
| Noninterest expense | 868,000 | 1,965,000 | 3,038,000 | 4,519,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 200,000 |
| Pretax income | 407,000 | 641,000 | 998,000 | 1,012,000 |
| Income tax | 57,000 | 114,000 | 170,000 | 139,000 |
| Net income | 350,000 | 527,000 | 828,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,326,000 | 15,503,000 | 15,792,000 | 14,987,000 |
| Total capital | 16,282,000 | 16,549,000 | 16,912,000 | 16,221,000 |
| Risk-weighted assets | 76,284,000 | 83,674,000 | 89,548,000 | 98,575,000 |