Call reports 2009
ZAVALA COUNTY BANK — 2009
What ZAVALA COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 55,225,000 | 55,475,000 | 53,863,000 | 56,652,000 |
| Total loans | 14,369,000 | 14,008,000 | 13,160,000 | 14,884,000 |
| Allowance for loan losses | 202,000 | 209,000 | 179,000 | 158,000 |
| Securities available for sale | 30,328,000 | 30,998,000 | 33,633,000 | 32,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,722,000 | 47,920,000 | 45,465,000 | 48,238,000 |
| Interest-bearing deposits | 35,662,000 | 37,354,000 | 36,407,000 | 37,728,000 |
| Noninterest-bearing deposits | 12,060,000 | 10,566,000 | 9,058,000 | 10,510,000 |
| Equity capital | 6,904,000 | 6,943,000 | 7,624,000 | 7,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 666,000 | 1,296,000 | 1,926,000 | 2,545,000 |
| Interest expense | 182,000 | 348,000 | 505,000 | 639,000 |
| Net interest income | 484,000 | 948,000 | 1,421,000 | 1,906,000 |
| Noninterest income | 160,000 | 348,000 | 537,000 | 754,000 |
| Noninterest expense | 483,000 | 1,009,000 | 1,505,000 | 2,025,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 153,000 | 272,000 | 430,000 | 605,000 |
| Income tax | 10,000 | 21,000 | 30,000 | 22,000 |
| Net income | 143,000 | 251,000 | 400,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,516,000 | 6,624,000 | 6,775,000 | 6,477,000 |
| Total capital | 6,718,000 | 6,833,000 | 6,954,000 | 6,635,000 |
| Risk-weighted assets | 25,870,000 | 26,354,000 | 26,655,000 | 28,878,000 |
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