Call reports 2012
ZAVALA COUNTY BANK — 2012
What ZAVALA COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 65,601,000 | 66,094,000 | 64,413,000 | 66,150,000 |
| Total loans | 10,418,000 | 10,039,000 | 10,139,000 | 10,995,000 |
| Allowance for loan losses | 188,000 | 184,000 | 183,000 | 182,000 |
| Securities available for sale | 41,550,000 | 43,750,000 | 43,127,000 | 42,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,269,000 | 56,374,000 | 54,339,000 | 56,935,000 |
| Interest-bearing deposits | 39,771,000 | 40,698,000 | 39,285,000 | 41,958,000 |
| Noninterest-bearing deposits | 16,498,000 | 15,676,000 | 15,054,000 | 14,977,000 |
| Equity capital | 8,226,000 | 8,534,000 | 8,794,000 | 8,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 519,000 | 1,047,000 | 1,561,000 | 2,067,000 |
| Interest expense | 54,000 | 109,000 | 154,000 | 197,000 |
| Net interest income | 465,000 | 938,000 | 1,407,000 | 1,870,000 |
| Noninterest income | 227,000 | 461,000 | 700,000 | 949,000 |
| Noninterest expense | 510,000 | 1,008,000 | 1,525,000 | 1,990,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 182,000 | 391,000 | 608,000 | 855,000 |
| Income tax | 9,000 | 17,000 | 26,000 | 61,000 |
| Net income | 173,000 | 374,000 | 582,000 | 794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,006,000 | 7,206,000 | 7,414,000 | 7,126,000 |
| Total capital | 7,193,000 | 7,390,000 | 7,597,000 | 7,308,000 |
| Risk-weighted assets | 21,323,000 | 20,656,000 | 20,725,000 | 21,499,000 |