Call reports 2012
BANK OF YAZOO CITY — 2012
What BANK OF YAZOO CITY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 215,185,000 | 210,675,000 | 217,046,000 | 215,919,000 |
| Total loans | 129,798,000 | 129,387,000 | 128,724,000 | 128,699,000 |
| Allowance for loan losses | 2,355,000 | 2,391,000 | 2,417,000 | 2,564,000 |
| Securities available for sale | 52,863,000 | 54,803,000 | 60,728,000 | 60,524,000 |
| Securities held to maturity | 1,142,000 | 977,000 | 3,576,000 | 3,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,707,000 | 188,627,000 | 190,453,000 | 193,175,000 |
| Interest-bearing deposits | 155,581,000 | 151,984,000 | 151,913,000 | 156,946,000 |
| Noninterest-bearing deposits | 38,126,000 | 36,643,000 | 38,540,000 | 36,229,000 |
| Equity capital | 19,043,000 | 19,589,000 | 20,138,000 | 19,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,237,000 | 4,438,000 | 6,623,000 | 8,780,000 |
| Interest expense | 302,000 | 578,000 | 830,000 | 1,066,000 |
| Net interest income | 1,935,000 | 3,860,000 | 5,793,000 | 7,714,000 |
| Noninterest income | 437,000 | 867,000 | 1,248,000 | 1,717,000 |
| Noninterest expense | 1,743,000 | 3,543,000 | 5,154,000 | 6,882,000 |
| Provision for loan losses | 180,000 | 375,000 | 670,000 | 865,000 |
| Pretax income | 449,000 | 930,000 | 1,338,000 | 1,915,000 |
| Income tax | 101,000 | 214,000 | 284,000 | 420,000 |
| Net income | 348,000 | 716,000 | 1,054,000 | 1,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,754,000 | 20,124,000 | 20,462,000 | 20,281,000 |
| Total capital | 21,616,000 | 21,956,000 | 22,342,000 | 22,163,000 |
| Risk-weighted assets | 148,458,000 | 146,026,000 | 149,827,000 | 149,861,000 |