Call reports 2006
BANK OF YAZOO CITY — 2006
What BANK OF YAZOO CITY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 196,244,000 | 207,979,000 | 215,582,000 | 209,116,000 |
| Total loans | 123,367,000 | 127,869,000 | 130,985,000 | 132,050,000 |
| Allowance for loan losses | 1,374,000 | 1,155,000 | 1,198,000 | 1,001,000 |
| Securities available for sale | 52,228,000 | 52,201,000 | 54,180,000 | 52,666,000 |
| Securities held to maturity | 0 | 514,000 | 1,879,000 | 2,248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,941,000 | 174,794,000 | 181,627,000 | 178,087,000 |
| Interest-bearing deposits | 145,987,000 | 152,271,000 | 159,563,000 | 150,928,000 |
| Noninterest-bearing deposits | 19,953,000 | 22,522,000 | 22,064,000 | 27,160,000 |
| Equity capital | 15,073,000 | 15,348,000 | 15,685,000 | 15,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,666,000 | 5,525,000 | 8,591,000 | 11,713,000 |
| Interest expense | 1,172,000 | 2,570,000 | 4,146,000 | 5,797,000 |
| Net interest income | 1,494,000 | 2,955,000 | 4,445,000 | 5,916,000 |
| Noninterest income | 360,000 | 750,000 | 1,160,000 | 1,570,000 |
| Noninterest expense | 1,517,000 | 3,109,000 | 4,748,000 | 6,271,000 |
| Provision for loan losses | 30,000 | 30,000 | 90,000 | 90,000 |
| Pretax income | 307,000 | 566,000 | 767,000 | 1,125,000 |
| Income tax | 46,000 | 91,000 | 32,000 | 209,000 |
| Net income | 261,000 | 475,000 | 735,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,894,000 | 16,114,000 | 16,375,000 | 16,079,000 |
| Total capital | 17,268,000 | 17,269,000 | 17,573,000 | 17,080,000 |
| Risk-weighted assets | 139,389,000 | 144,462,000 | 149,674,000 | 147,550,000 |