Call reports 2016
BANK OF YAZOO CITY — 2016
What BANK OF YAZOO CITY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 249,243,000 | 248,072,000 | 249,429,000 | 248,781,000 |
| Total loans | 118,773,000 | 121,467,000 | 120,184,000 | 119,333,000 |
| Allowance for loan losses | 2,461,000 | 2,426,000 | 2,405,000 | 2,207,000 |
| Securities available for sale | 107,842,000 | 106,572,000 | 106,451,000 | 106,647,000 |
| Securities held to maturity | 1,866,000 | 1,866,000 | 1,601,000 | 1,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,135,000 | 213,528,000 | 215,061,000 | 217,604,000 |
| Interest-bearing deposits | 176,331,000 | 169,665,000 | 169,662,000 | 172,007,000 |
| Noninterest-bearing deposits | 45,804,000 | 43,863,000 | 45,399,000 | 45,597,000 |
| Equity capital | 24,661,000 | 25,380,000 | 26,020,000 | 23,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,027,000 | 4,040,000 | 6,057,000 | 8,032,000 |
| Interest expense | 134,000 | 268,000 | 404,000 | 538,000 |
| Net interest income | 1,893,000 | 3,772,000 | 5,653,000 | 7,494,000 |
| Noninterest income | 427,000 | 884,000 | 1,395,000 | 1,848,000 |
| Noninterest expense | 1,557,000 | 3,226,000 | 4,844,000 | 6,433,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 763,000 | 1,452,000 | 2,281,000 | 2,988,000 |
| Income tax | 203,000 | 377,000 | 604,000 | 785,000 |
| Net income | 560,000 | 1,075,000 | 1,677,000 | 2,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,222,000 | 25,765,000 | 26,395,000 | 25,996,000 |
| Total capital | 27,028,000 | 27,581,000 | 28,179,000 | 27,790,000 |
| Risk-weighted assets | 143,765,000 | 144,646,000 | 142,072,000 | 143,076,000 |