Call reports 2013
ZAVALA COUNTY BANK — 2013
What ZAVALA COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 69,356,000 | 65,107,000 | 64,554,000 | 66,221,000 |
| Total loans | 9,243,000 | 9,768,000 | 10,217,000 | 10,503,000 |
| Allowance for loan losses | 184,000 | 178,000 | 171,000 | 171,000 |
| Securities available for sale | 45,233,000 | 43,750,000 | 42,068,000 | 39,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,149,000 | 56,492,000 | 56,294,000 | 57,248,000 |
| Interest-bearing deposits | 43,146,000 | 40,976,000 | 38,063,000 | 38,698,000 |
| Noninterest-bearing deposits | 17,003,000 | 15,516,000 | 18,231,000 | 18,551,000 |
| Equity capital | 8,218,000 | 7,879,000 | 7,697,000 | 7,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 500,000 | 992,000 | 1,486,000 | 1,973,000 |
| Interest expense | 41,000 | 79,000 | 110,000 | 142,000 |
| Net interest income | 459,000 | 913,000 | 1,376,000 | 1,831,000 |
| Noninterest income | 234,000 | 475,000 | 722,000 | 957,000 |
| Noninterest expense | 502,000 | 994,000 | 1,489,000 | 1,975,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 191,000 | 394,000 | 609,000 | 813,000 |
| Income tax | 9,000 | 17,000 | 12,000 | 14,000 |
| Net income | 182,000 | 377,000 | 597,000 | 799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,308,000 | 7,503,000 | 7,723,000 | 7,486,000 |
| Total capital | 7,492,000 | 7,681,000 | 7,894,000 | 7,657,000 |
| Risk-weighted assets | 20,429,000 | 20,923,000 | 20,805,000 | 21,797,000 |