Call reports 2010
BANK OF YAZOO CITY — 2010
What BANK OF YAZOO CITY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 211,022,000 | 209,987,000 | 207,605,000 | 202,337,000 |
| Total loans | 145,225,000 | 145,502,000 | 144,773,000 | 139,974,000 |
| Allowance for loan losses | 1,838,000 | 1,937,000 | 2,096,000 | 2,129,000 |
| Securities available for sale | 40,995,000 | 41,777,000 | 38,890,000 | 38,140,000 |
| Securities held to maturity | 1,396,000 | 1,596,000 | 1,595,000 | 1,595,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,575,000 | 179,631,000 | 174,367,000 | 176,590,000 |
| Interest-bearing deposits | 153,486,000 | 151,449,000 | 145,342,000 | 147,619,000 |
| Noninterest-bearing deposits | 26,089,000 | 28,182,000 | 29,025,000 | 28,971,000 |
| Equity capital | 17,518,000 | 18,004,000 | 18,665,000 | 18,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,606,000 | 5,218,000 | 7,821,000 | 10,311,000 |
| Interest expense | 657,000 | 1,278,000 | 1,827,000 | 2,315,000 |
| Net interest income | 1,949,000 | 3,940,000 | 5,994,000 | 7,996,000 |
| Noninterest income | 438,000 | 858,000 | 1,339,000 | 1,495,000 |
| Noninterest expense | 1,757,000 | 3,576,000 | 5,441,000 | 6,786,000 |
| Provision for loan losses | 300,000 | 490,000 | 640,000 | 790,000 |
| Pretax income | 476,000 | 884,000 | 1,404,000 | 2,169,000 |
| Income tax | 101,000 | 181,000 | 292,000 | 500,000 |
| Net income | 375,000 | 703,000 | 1,112,000 | 1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,055,000 | 18,383,000 | 18,793,000 | 18,659,000 |
| Total capital | 19,893,000 | 20,320,000 | 20,787,000 | 20,595,000 |
| Risk-weighted assets | 160,461,000 | 160,266,000 | 159,380,000 | 154,702,000 |