Call reports 2007
ZAVALA COUNTY BANK — 2007
What ZAVALA COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 57,184,000 | 56,195,000 | 56,582,000 | 51,601,000 |
| Total loans | 14,946,000 | 16,095,000 | 16,910,000 | 17,413,000 |
| Allowance for loan losses | 281,000 | 277,000 | 271,000 | 213,000 |
| Securities available for sale | 25,013,000 | 32,071,000 | 29,072,000 | 28,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 8,527,000 | 0 | 0 | 0 |
| Total deposits | 49,433,000 | 48,906,000 | 48,948,000 | 43,195,000 |
| Interest-bearing deposits | 39,562,000 | 39,600,000 | 34,725,000 | 35,340,000 |
| Noninterest-bearing deposits | 9,871,000 | 9,306,000 | 14,223,000 | 7,855,000 |
| Equity capital | 6,552,000 | 6,230,000 | 6,782,000 | 6,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 847,000 | 1,715,000 | 2,568,000 | 3,368,000 |
| Interest expense | 353,000 | 700,000 | 1,023,000 | 1,327,000 |
| Net interest income | 494,000 | 1,015,000 | 1,545,000 | 2,041,000 |
| Noninterest income | 184,000 | 371,000 | 523,000 | 698,000 |
| Noninterest expense | 522,000 | 1,027,000 | 1,530,000 | 2,009,000 |
| Provision for loan losses | 0 | 0 | 0 | -30,000 |
| Pretax income | 156,000 | 317,000 | 279,000 | 506,000 |
| Income tax | 0 | 0 | 0 | 40,000 |
| Net income | 156,000 | 317,000 | 279,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,553,000 | 6,714,000 | 6,910,000 | 6,499,000 |
| Total capital | 6,834,000 | 6,991,000 | 7,181,000 | 6,712,000 |
| Risk-weighted assets | 33,445,000 | 27,572,000 | 27,967,000 | 26,019,000 |
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