Call reports 2004
BANK OF YAZOO CITY — 2004
What BANK OF YAZOO CITY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 145,614,000 | 162,210,000 | 169,425,000 | 174,840,000 |
| Total loans | 96,852,000 | 111,337,000 | 119,585,000 | 120,700,000 |
| Allowance for loan losses | 1,348,000 | 1,411,000 | 1,474,000 | 1,458,000 |
| Securities available for sale | 28,697,000 | 33,755,000 | 32,280,000 | 37,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,332,000 | 120,290,000 | 129,431,000 | 136,564,000 |
| Interest-bearing deposits | 110,125,000 | 104,249,000 | 115,709,000 | 121,656,000 |
| Noninterest-bearing deposits | 14,207,000 | 16,041,000 | 13,722,000 | 14,908,000 |
| Equity capital | 15,842,000 | 15,674,000 | 16,020,000 | 15,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,766,000 | 3,636,000 | 5,681,000 | 7,864,000 |
| Interest expense | 508,000 | 998,000 | 1,650,000 | 2,418,000 |
| Net interest income | 1,258,000 | 2,638,000 | 4,031,000 | 5,446,000 |
| Noninterest income | 268,000 | 555,000 | 849,000 | 1,136,000 |
| Noninterest expense | 1,278,000 | 2,593,000 | 3,937,000 | 5,554,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 475,000 | 734,000 | 1,073,000 | 1,084,000 |
| Income tax | 25,000 | 66,000 | 152,000 | 147,000 |
| Net income | 450,000 | 668,000 | 921,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,437,000 | 15,667,000 | 15,920,000 | 15,186,000 |
| Total capital | 16,715,000 | 17,078,000 | 17,394,000 | 16,644,000 |
| Risk-weighted assets | 102,201,000 | 114,823,000 | 122,657,000 | 127,707,000 |