Call reports 2005
ZAVALA COUNTY BANK — 2005
What ZAVALA COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 58,085,000 | 54,411,000 | 53,424,000 | 53,011,000 |
| Total loans | 23,612,000 | 23,100,000 | 21,356,000 | 20,997,000 |
| Allowance for loan losses | 557,000 | 591,000 | 896,000 | 1,078,000 |
| Securities available for sale | 27,993,000 | 25,099,000 | 23,414,000 | 22,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,395,000 | 45,535,000 | 45,065,000 | 45,086,000 |
| Interest-bearing deposits | 40,263,000 | 36,749,000 | 35,403,000 | 35,971,000 |
| Noninterest-bearing deposits | 9,132,000 | 8,786,000 | 9,662,000 | 9,115,000 |
| Equity capital | 6,251,000 | 6,564,000 | 6,225,000 | 6,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 891,000 | 1,748,000 | 2,568,000 | 3,395,000 |
| Interest expense | 225,000 | 457,000 | 689,000 | 949,000 |
| Net interest income | 666,000 | 1,291,000 | 1,879,000 | 2,446,000 |
| Noninterest income | 104,000 | 231,000 | 357,000 | 487,000 |
| Noninterest expense | 495,000 | 975,000 | 1,472,000 | 1,963,000 |
| Provision for loan losses | 27,000 | 105,000 | 544,000 | 879,000 |
| Pretax income | 248,000 | 446,000 | 226,000 | 97,000 |
| Income tax | 12,000 | 17,000 | 26,000 | -175,000 |
| Net income | 236,000 | 429,000 | 200,000 | 272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,374,000 | 6,567,000 | 6,338,000 | 6,410,000 |
| Total capital | 6,817,000 | 6,988,000 | 6,737,000 | 6,810,000 |
| Risk-weighted assets | 35,316,000 | 33,533,000 | 31,441,000 | 31,336,000 |
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