Call reports 2014
BANK OF YAZOO CITY — 2014
What BANK OF YAZOO CITY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 231,950,000 | 230,283,000 | 228,180,000 | 228,240,000 |
| Total loans | 115,148,000 | 118,247,000 | 122,152,000 | 120,713,000 |
| Allowance for loan losses | 2,456,000 | 2,528,000 | 2,495,000 | 2,416,000 |
| Securities available for sale | 86,246,000 | 88,843,000 | 83,285,000 | 83,797,000 |
| Securities held to maturity | 2,995,000 | 2,995,000 | 2,535,000 | 2,536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,531,000 | 201,081,000 | 195,170,000 | 201,708,000 |
| Interest-bearing deposits | 162,184,000 | 158,217,000 | 151,107,000 | 157,079,000 |
| Noninterest-bearing deposits | 47,347,000 | 42,864,000 | 44,063,000 | 44,629,000 |
| Equity capital | 20,779,000 | 21,492,000 | 22,053,000 | 23,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,978,000 | 3,994,000 | 6,063,000 | 8,081,000 |
| Interest expense | 134,000 | 272,000 | 402,000 | 531,000 |
| Net interest income | 1,844,000 | 3,722,000 | 5,661,000 | 7,550,000 |
| Noninterest income | 412,000 | 805,000 | 1,218,000 | 1,667,000 |
| Noninterest expense | 1,647,000 | 3,383,000 | 4,983,000 | 6,917,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 120,000 |
| Pretax income | 549,000 | 1,123,000 | 1,880,000 | 2,440,000 |
| Income tax | 123,000 | 258,000 | 455,000 | 537,000 |
| Net income | 426,000 | 865,000 | 1,425,000 | 1,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,771,000 | 22,209,000 | 22,769,000 | 24,064,000 |
| Total capital | 23,567,000 | 24,036,000 | 24,615,000 | 25,894,000 |
| Risk-weighted assets | 143,050,000 | 145,482,000 | 146,995,000 | 145,824,000 |