Call reports 2025
BANK OF YAZOO CITY — 2025
What BANK OF YAZOO CITY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 321,040,000 | 320,849,000 | 312,575,000 | 308,119,000 |
| Total loans | 153,174,000 | 154,716,000 | 162,321,000 | 163,309,000 |
| Allowance for loan losses | 1,842,000 | 1,894,000 | 1,899,000 | 1,931,000 |
| Securities available for sale | 112,288,000 | 111,529,000 | 113,309,000 | 106,075,000 |
| Securities held to maturity | 2,361,000 | 2,361,000 | 2,269,000 | 2,269,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,335,000 | 286,537,000 | 276,962,000 | 271,385,000 |
| Interest-bearing deposits | 212,894,000 | 213,509,000 | 202,961,000 | 196,505,000 |
| Noninterest-bearing deposits | 75,441,000 | 73,028,000 | 74,001,000 | 74,880,000 |
| Equity capital | 30,632,000 | 32,006,000 | 33,618,000 | 33,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,073,000 | 6,382,000 | 9,748,000 | 13,035,000 |
| Interest expense | 1,231,000 | 2,476,000 | 3,621,000 | 4,625,000 |
| Net interest income | 1,842,000 | 3,906,000 | 6,127,000 | 8,410,000 |
| Noninterest income | 579,000 | 1,241,000 | 1,821,000 | 2,424,000 |
| Noninterest expense | 1,762,000 | 3,722,000 | 5,740,000 | 7,763,000 |
| Provision for loan losses | 115,000 | 181,000 | 230,000 | 282,000 |
| Pretax income | 598,000 | 1,305,000 | 2,028,000 | 2,816,000 |
| Income tax | 103,000 | 216,000 | 351,000 | 504,000 |
| Net income | 495,000 | 1,089,000 | 1,677,000 | 2,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,521,000 | 37,114,000 | 37,702,000 | 37,396,000 |