Call reports 2003
ZAVALA COUNTY BANK — 2003
What ZAVALA COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,673,000 | 62,869,000 | 62,517,000 | 64,569,000 |
| Total loans | 19,349,000 | 20,274,000 | 21,338,000 | 24,012,000 |
| Allowance for loan losses | 331,000 | 329,000 | 357,000 | 343,000 |
| Securities available for sale | 34,111,000 | 35,689,000 | 31,267,000 | 32,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,653,000 | 51,337,000 | 51,708,000 | 54,716,000 |
| Interest-bearing deposits | 40,539,000 | 40,889,000 | 42,017,000 | 43,052,000 |
| Noninterest-bearing deposits | 9,114,000 | 10,448,000 | 9,691,000 | 11,664,000 |
| Equity capital | 5,996,000 | 6,479,000 | 6,142,000 | 5,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 790,000 | 1,581,000 | 2,390,000 | 3,202,000 |
| Interest expense | 259,000 | 526,000 | 805,000 | 1,083,000 |
| Net interest income | 531,000 | 1,055,000 | 1,585,000 | 2,119,000 |
| Noninterest income | 141,000 | 284,000 | 478,000 | 660,000 |
| Noninterest expense | 411,000 | 820,000 | 1,251,000 | 1,830,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 285,000 | 731,000 | 1,032,000 | 1,141,000 |
| Income tax | 24,000 | 76,000 | 123,000 | 161,000 |
| Net income | 261,000 | 655,000 | 909,000 | 980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,414,000 | 5,808,000 | 6,062,000 | 5,647,000 |
| Total capital | 5,745,000 | 6,137,000 | 6,419,000 | 5,990,000 |
| Risk-weighted assets | 31,641,000 | 34,203,000 | 36,939,000 | 39,778,000 |
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