Call reports 2005
BANK OF YAZOO CITY — 2005
What BANK OF YAZOO CITY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 179,502,000 | 190,572,000 | 199,305,000 | 197,787,000 |
| Total loans | 118,429,000 | 123,586,000 | 124,600,000 | 122,693,000 |
| Allowance for loan losses | 1,444,000 | 1,603,000 | 1,515,000 | 1,391,000 |
| Securities available for sale | 43,101,000 | 43,225,000 | 47,420,000 | 49,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,507,000 | 145,118,000 | 159,944,000 | 162,778,000 |
| Interest-bearing deposits | 129,035,000 | 131,783,000 | 138,274,000 | 140,371,000 |
| Noninterest-bearing deposits | 15,472,000 | 13,336,000 | 21,671,000 | 22,407,000 |
| Equity capital | 15,371,000 | 15,234,000 | 15,434,000 | 14,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,216,000 | 4,631,000 | 7,219,000 | 9,904,000 |
| Interest expense | 787,000 | 1,739,000 | 2,874,000 | 4,042,000 |
| Net interest income | 1,429,000 | 2,892,000 | 4,345,000 | 5,862,000 |
| Noninterest income | 291,000 | 590,000 | 931,000 | 1,269,000 |
| Noninterest expense | 1,361,000 | 2,801,000 | 4,329,000 | 5,761,000 |
| Provision for loan losses | 75,000 | 215,000 | 215,000 | 315,000 |
| Pretax income | 284,000 | 373,000 | 639,000 | 962,000 |
| Income tax | 39,000 | 44,000 | 67,000 | 161,000 |
| Net income | 245,000 | 329,000 | 572,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,430,000 | 15,514,000 | 15,758,000 | 15,640,000 |
| Total capital | 16,874,000 | 17,117,000 | 17,273,000 | 17,031,000 |
| Risk-weighted assets | 132,754,000 | 138,396,000 | 141,257,000 | 140,536,000 |