Call reports 2020
BANK OF YAZOO CITY — 2020
What BANK OF YAZOO CITY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 251,765,000 | 263,225,000 | 264,442,000 | 268,989,000 |
| Total loans | 125,426,000 | 142,730,000 | 150,384,000 | 146,554,000 |
| Allowance for loan losses | 1,235,000 | 1,292,000 | 1,325,000 | 1,448,000 |
| Securities available for sale | 74,228,000 | 91,119,000 | 85,344,000 | 81,951,000 |
| Securities held to maturity | 2,326,000 | 3,958,000 | 3,635,000 | 3,635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,749,000 | 229,654,000 | 230,661,000 | 235,291,000 |
| Interest-bearing deposits | 173,259,000 | 172,694,000 | 174,699,000 | 174,452,000 |
| Noninterest-bearing deposits | 47,490,000 | 56,960,000 | 55,962,000 | 60,839,000 |
| Equity capital | 28,770,000 | 30,153,000 | 30,646,000 | 30,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,141,000 | 4,224,000 | 6,319,000 | 8,665,000 |
| Interest expense | 284,000 | 487,000 | 678,000 | 853,000 |
| Net interest income | 1,857,000 | 3,737,000 | 5,641,000 | 7,812,000 |
| Noninterest income | 485,000 | 907,000 | 1,377,000 | 1,862,000 |
| Noninterest expense | 1,724,000 | 3,498,000 | 5,208,000 | 7,020,000 |
| Provision for loan losses | 17,000 | 33,000 | 93,000 | 253,000 |
| Pretax income | 664,000 | 1,185,000 | 1,789,000 | 2,537,000 |
| Income tax | 115,000 | 195,000 | 294,000 | 397,000 |
| Net income | 549,000 | 990,000 | 1,495,000 | 2,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,816,000 | 30,257,000 | 30,762,000 | 30,476,000 |