Call reports 2007
BANK OF YAZOO CITY — 2007
What BANK OF YAZOO CITY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 219,417,000 | 205,819,000 | 217,531,000 | 214,797,000 |
| Total loans | 133,904,000 | 141,499,000 | 146,167,000 | 145,524,000 |
| Allowance for loan losses | 1,081,000 | 1,226,000 | 1,268,000 | 1,350,000 |
| Securities available for sale | 49,657,000 | 38,972,000 | 38,185,000 | 40,266,000 |
| Securities held to maturity | 1,877,000 | 1,875,000 | 3,262,000 | 1,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,580,000 | 179,102,000 | 189,738,000 | 185,673,000 |
| Interest-bearing deposits | 170,193,000 | 160,028,000 | 169,000,000 | 163,807,000 |
| Noninterest-bearing deposits | 20,387,000 | 19,074,000 | 20,739,000 | 21,866,000 |
| Equity capital | 15,977,000 | 15,763,000 | 16,365,000 | 17,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,162,000 | 6,432,000 | 9,793,000 | 13,270,000 |
| Interest expense | 1,678,000 | 3,381,000 | 5,097,000 | 6,862,000 |
| Net interest income | 1,484,000 | 3,051,000 | 4,696,000 | 6,408,000 |
| Noninterest income | 384,000 | 842,000 | 1,348,000 | 2,171,000 |
| Noninterest expense | 1,504,000 | 3,091,000 | 4,789,000 | 6,604,000 |
| Provision for loan losses | 0 | 197,000 | 262,000 | 975,000 |
| Pretax income | 364,000 | -53,000 | 335,000 | 347,000 |
| Income tax | 50,000 | -119,000 | -22,000 | -257,000 |
| Net income | 314,000 | 66,000 | 357,000 | 604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,394,000 | 16,146,000 | 16,437,000 | 17,046,000 |
| Total capital | 17,475,000 | 17,372,000 | 17,705,000 | 18,396,000 |
| Risk-weighted assets | 148,566,000 | 153,447,000 | 159,474,000 | 151,610,000 |