Call reports 2013
BANK OF YAZOO CITY — 2013
What BANK OF YAZOO CITY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 231,374,000 | 228,561,000 | 222,968,000 | 229,510,000 |
| Total loans | 124,161,000 | 126,744,000 | 124,462,000 | 120,231,000 |
| Allowance for loan losses | 2,725,000 | 2,749,000 | 2,790,000 | 2,397,000 |
| Securities available for sale | 76,647,000 | 75,217,000 | 73,720,000 | 84,655,000 |
| Securities held to maturity | 3,576,000 | 3,575,000 | 3,120,000 | 2,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,858,000 | 202,483,000 | 200,550,000 | 198,703,000 |
| Interest-bearing deposits | 164,238,000 | 155,429,000 | 152,177,000 | 154,645,000 |
| Noninterest-bearing deposits | 44,620,000 | 47,054,000 | 48,373,000 | 44,058,000 |
| Equity capital | 19,883,000 | 19,145,000 | 19,853,000 | 20,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,063,000 | 4,161,000 | 6,315,000 | 8,381,000 |
| Interest expense | 232,000 | 420,000 | 577,000 | 719,000 |
| Net interest income | 1,831,000 | 3,741,000 | 5,738,000 | 7,662,000 |
| Noninterest income | 420,000 | 826,000 | 1,264,000 | 1,712,000 |
| Noninterest expense | 1,624,000 | 3,247,000 | 4,915,000 | 6,599,000 |
| Provision for loan losses | 195,000 | 255,000 | 315,000 | 375,000 |
| Pretax income | 432,000 | 1,065,000 | 1,772,000 | 2,400,000 |
| Income tax | 82,000 | 242,000 | 424,000 | 592,000 |
| Net income | 350,000 | 823,000 | 1,348,000 | 1,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,632,000 | 21,104,000 | 21,630,000 | 21,343,000 |
| Total capital | 22,513,000 | 23,011,000 | 23,510,000 | 23,188,000 |
| Risk-weighted assets | 149,618,000 | 151,757,000 | 149,465,000 | 147,083,000 |