Call reports 2004
ZAVALA COUNTY BANK — 2004
What ZAVALA COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 65,075,000 | 65,881,000 | 65,539,000 | 61,000,000 |
| Total loans | 23,512,000 | 24,434,000 | 24,496,000 | 25,929,000 |
| Allowance for loan losses | 362,000 | 307,000 | 263,000 | 643,000 |
| Securities available for sale | 30,058,000 | 31,963,000 | 33,127,000 | 29,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,649,000 | 57,050,000 | 55,674,000 | 51,961,000 |
| Interest-bearing deposits | 46,504,000 | 46,881,000 | 45,738,000 | 43,965,000 |
| Noninterest-bearing deposits | 8,145,000 | 10,169,000 | 9,936,000 | 7,996,000 |
| Equity capital | 6,450,000 | 5,859,000 | 6,658,000 | 6,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 847,000 | 1,703,000 | 2,618,000 | 3,540,000 |
| Interest expense | 269,000 | 537,000 | 806,000 | 1,070,000 |
| Net interest income | 578,000 | 1,166,000 | 1,812,000 | 2,470,000 |
| Noninterest income | 142,000 | 297,000 | 526,000 | 508,000 |
| Noninterest expense | 449,000 | 948,000 | 1,459,000 | 2,056,000 |
| Provision for loan losses | 27,000 | 55,000 | 132,000 | 559,000 |
| Pretax income | 244,000 | 474,000 | 761,000 | 395,000 |
| Income tax | -8,000 | 31,000 | 54,000 | -97,000 |
| Net income | 252,000 | 443,000 | 707,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,899,000 | 6,089,000 | 6,354,000 | 6,138,000 |
| Total capital | 6,261,000 | 6,396,000 | 6,617,000 | 6,612,000 |
| Risk-weighted assets | 38,441,000 | 39,803,000 | 39,534,000 | 37,752,000 |
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