Call reports 2015
BANK OF YAZOO CITY — 2015
What BANK OF YAZOO CITY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 239,309,000 | 238,908,000 | 241,129,000 | 243,894,000 |
| Total loans | 118,730,000 | 117,940,000 | 119,151,000 | 120,687,000 |
| Allowance for loan losses | 2,478,000 | 2,414,000 | 2,443,000 | 2,481,000 |
| Securities available for sale | 97,796,000 | 97,846,000 | 100,470,000 | 100,704,000 |
| Securities held to maturity | 2,536,000 | 2,536,000 | 2,066,000 | 2,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,117,000 | 208,522,000 | 208,263,000 | 211,261,000 |
| Interest-bearing deposits | 162,718,000 | 163,534,000 | 163,409,000 | 166,486,000 |
| Noninterest-bearing deposits | 48,399,000 | 44,988,000 | 44,854,000 | 44,775,000 |
| Equity capital | 23,856,000 | 23,725,000 | 24,604,000 | 23,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,941,000 | 3,933,000 | 5,944,000 | 7,984,000 |
| Interest expense | 134,000 | 265,000 | 397,000 | 522,000 |
| Net interest income | 1,807,000 | 3,668,000 | 5,547,000 | 7,462,000 |
| Noninterest income | 403,000 | 821,000 | 1,236,000 | 1,666,000 |
| Noninterest expense | 1,622,000 | 3,222,000 | 4,883,000 | 6,465,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 200,000 |
| Pretax income | 528,000 | 1,147,000 | 1,719,000 | 2,465,000 |
| Income tax | 121,000 | 273,000 | 408,000 | 610,000 |
| Net income | 407,000 | 874,000 | 1,311,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,472,000 | 24,939,000 | 25,233,000 | 24,610,000 |
| Total capital | 26,307,000 | 26,742,000 | 27,057,000 | 26,409,000 |
| Risk-weighted assets | 146,190,000 | 143,665,000 | 145,214,000 | 143,148,000 |