Call reports 2010
ZAVALA COUNTY BANK — 2010
What ZAVALA COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 57,603,000 | 58,833,000 | 61,912,000 | 58,274,000 |
| Total loans | 13,811,000 | 12,091,000 | 10,022,000 | 12,604,000 |
| Allowance for loan losses | 166,000 | 173,000 | 179,000 | 185,000 |
| Securities available for sale | 31,617,000 | 34,789,000 | 38,044,000 | 36,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,450,000 | 50,479,000 | 52,955,000 | 50,282,000 |
| Interest-bearing deposits | 38,730,000 | 37,658,000 | 38,770,000 | 38,474,000 |
| Noninterest-bearing deposits | 10,720,000 | 12,821,000 | 14,185,000 | 11,808,000 |
| Equity capital | 7,555,000 | 7,715,000 | 8,192,000 | 7,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 598,000 | 1,167,000 | 1,716,000 | 2,267,000 |
| Interest expense | 124,000 | 235,000 | 326,000 | 407,000 |
| Net interest income | 474,000 | 932,000 | 1,390,000 | 1,860,000 |
| Noninterest income | 195,000 | 408,000 | 628,000 | 864,000 |
| Noninterest expense | 493,000 | 989,000 | 1,481,000 | 2,052,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 23,000 |
| Pretax income | 168,000 | 336,000 | 524,000 | 659,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 7,000 |
| Net income | 158,000 | 316,000 | 493,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,635,000 | 6,793,000 | 6,971,000 | 6,650,000 |
| Total capital | 6,801,000 | 6,966,000 | 7,150,000 | 6,835,000 |
| Risk-weighted assets | 26,614,000 | 26,236,000 | 23,794,000 | 26,639,000 |