Call reports 2008
BANK OF YAZOO CITY — 2008
What BANK OF YAZOO CITY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 220,368,000 | 217,568,000 | 213,566,000 | 208,927,000 |
| Total loans | 146,221,000 | 153,138,000 | 153,381,000 | 151,957,000 |
| Allowance for loan losses | 1,396,000 | 1,471,000 | 1,475,000 | 1,623,000 |
| Securities available for sale | 38,688,000 | 40,054,000 | 35,382,000 | 32,791,000 |
| Securities held to maturity | 1,868,000 | 1,866,000 | 1,865,000 | 1,584,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,462,000 | 182,645,000 | 167,465,000 | 170,997,000 |
| Interest-bearing deposits | 166,590,000 | 161,577,000 | 144,462,000 | 148,998,000 |
| Noninterest-bearing deposits | 19,872,000 | 21,067,000 | 23,002,000 | 21,999,000 |
| Equity capital | 17,817,000 | 17,544,000 | 18,107,000 | 16,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,251,000 | 6,350,000 | 9,456,000 | 12,373,000 |
| Interest expense | 1,584,000 | 2,999,000 | 4,203,000 | 5,223,000 |
| Net interest income | 1,667,000 | 3,351,000 | 5,253,000 | 7,150,000 |
| Noninterest income | 388,000 | 831,000 | 1,352,000 | 1,814,000 |
| Noninterest expense | 1,715,000 | 3,474,000 | 5,160,000 | 6,951,000 |
| Provision for loan losses | 85,000 | 192,000 | 299,000 | 451,000 |
| Pretax income | 255,000 | 516,000 | 1,142,000 | 1,550,000 |
| Income tax | 52,000 | 109,000 | 286,000 | 368,000 |
| Net income | 203,000 | 407,000 | 856,000 | 1,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,249,000 | 17,453,000 | 17,902,000 | 16,384,000 |
| Total capital | 18,645,000 | 18,924,000 | 19,377,000 | 18,007,000 |
| Risk-weighted assets | 155,584,000 | 161,423,000 | 163,146,000 | 160,810,000 |