Call reports 2008
ZAVALA COUNTY BANK — 2008
What ZAVALA COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 57,447,000 | 55,036,000 | 53,142,000 | 52,704,000 |
| Total loans | 15,727,000 | 15,194,000 | 15,027,000 | 15,672,000 |
| Allowance for loan losses | 205,000 | 213,000 | 235,000 | 209,000 |
| Securities available for sale | 30,313,000 | 30,044,000 | 31,133,000 | 31,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,413,000 | 47,860,000 | 45,583,000 | 44,854,000 |
| Interest-bearing deposits | 36,290,000 | 36,768,000 | 36,524,000 | 35,761,000 |
| Noninterest-bearing deposits | 13,123,000 | 11,092,000 | 9,059,000 | 9,093,000 |
| Equity capital | 7,310,000 | 6,788,000 | 7,112,000 | 6,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 759,000 | 1,481,000 | 2,222,000 | 2,933,000 |
| Interest expense | 285,000 | 551,000 | 807,000 | 1,029,000 |
| Net interest income | 474,000 | 930,000 | 1,415,000 | 1,904,000 |
| Noninterest income | 173,000 | 365,000 | 559,000 | 746,000 |
| Noninterest expense | 470,000 | 933,000 | 1,406,000 | 1,930,000 |
| Provision for loan losses | 8,000 | 15,000 | 68,000 | 75,000 |
| Pretax income | 169,000 | 347,000 | 500,000 | 645,000 |
| Income tax | 9,000 | 18,000 | 35,000 | 122,000 |
| Net income | 160,000 | 329,000 | 465,000 | 523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,658,000 | 6,827,000 | 6,963,000 | 6,373,000 |
| Total capital | 6,863,000 | 7,040,000 | 7,198,000 | 6,582,000 |
| Risk-weighted assets | 27,275,000 | 26,762,000 | 26,880,000 | 27,173,000 |
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