Call reports 2009
BANK OF YAZOO CITY — 2009
What BANK OF YAZOO CITY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 219,633,000 | 214,631,000 | 210,390,000 | 213,096,000 |
| Total loans | 151,819,000 | 153,172,000 | 153,693,000 | 149,027,000 |
| Allowance for loan losses | 1,698,000 | 1,827,000 | 1,798,000 | 1,526,000 |
| Securities available for sale | 36,400,000 | 37,194,000 | 35,171,000 | 37,071,000 |
| Securities held to maturity | 1,584,000 | 1,398,000 | 1,397,000 | 1,397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,409,000 | 175,653,000 | 171,779,000 | 171,664,000 |
| Interest-bearing deposits | 161,041,000 | 123,563,000 | 121,495,000 | 146,403,000 |
| Noninterest-bearing deposits | 24,367,000 | 52,090,000 | 50,285,000 | 25,261,000 |
| Equity capital | 17,090,000 | 17,282,000 | 18,036,000 | 17,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,771,000 | 5,588,000 | 8,418,000 | 11,140,000 |
| Interest expense | 984,000 | 1,921,000 | 2,757,000 | 3,505,000 |
| Net interest income | 1,787,000 | 3,667,000 | 5,661,000 | 7,635,000 |
| Noninterest income | 450,000 | 949,000 | 1,362,000 | 1,870,000 |
| Noninterest expense | 1,662,000 | 3,497,000 | 5,271,000 | 7,099,000 |
| Provision for loan losses | 201,000 | 351,000 | 501,000 | 1,305,000 |
| Pretax income | 423,000 | 817,000 | 1,366,000 | 1,535,000 |
| Income tax | 105,000 | 188,000 | 318,000 | 341,000 |
| Net income | 318,000 | 629,000 | 1,048,000 | 1,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,681,000 | 17,012,000 | 18,583,000 | 17,680,000 |
| Total capital | 18,379,000 | 18,839,000 | 20,381,000 | 19,206,000 |
| Risk-weighted assets | 168,347,000 | 164,910,000 | 162,852,000 | 162,437,000 |