Call reports 2011
ZAVALA COUNTY BANK — 2011
What ZAVALA COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 59,510,000 | 62,534,000 | 63,769,000 | 64,190,000 |
| Total loans | 10,835,000 | 11,024,000 | 11,379,000 | 12,722,000 |
| Allowance for loan losses | 189,000 | 189,000 | 188,000 | 186,000 |
| Securities available for sale | 38,805,000 | 38,546,000 | 40,366,000 | 41,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,278,000 | 53,633,000 | 54,064,000 | 54,491,000 |
| Interest-bearing deposits | 38,526,000 | 39,512,000 | 39,322,000 | 39,786,000 |
| Noninterest-bearing deposits | 12,752,000 | 14,121,000 | 14,743,000 | 14,705,000 |
| Equity capital | 7,682,000 | 8,191,000 | 8,808,000 | 8,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 546,000 | 1,089,000 | 1,634,000 | 2,178,000 |
| Interest expense | 68,000 | 132,000 | 194,000 | 249,000 |
| Net interest income | 478,000 | 957,000 | 1,440,000 | 1,929,000 |
| Noninterest income | 228,000 | 456,000 | 693,000 | 928,000 |
| Noninterest expense | 511,000 | 1,013,000 | 1,529,000 | 2,034,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 192,000 | 433,000 | 637,000 | 856,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 177,000 |
| Net income | 182,000 | 413,000 | 607,000 | 679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,832,000 | 7,063,000 | 7,257,000 | 6,831,000 |
| Total capital | 7,021,000 | 7,252,000 | 7,445,000 | 7,017,000 |
| Risk-weighted assets | 25,097,000 | 21,184,000 | 21,540,000 | 23,590,000 |