Call reports 2014
ZAVALA COUNTY BANK — 2014
What ZAVALA COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 69,085,000 | 66,145,000 | 62,861,000 | 70,155,000 |
| Total loans | 9,217,000 | 9,899,000 | 10,065,000 | 11,704,000 |
| Allowance for loan losses | 173,000 | 172,000 | 173,000 | 169,000 |
| Securities available for sale | 42,581,000 | 43,323,000 | 42,481,000 | 39,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,018,000 | 56,564,000 | 52,942,000 | 60,263,000 |
| Interest-bearing deposits | 42,253,000 | 39,446,000 | 36,468,000 | 42,588,000 |
| Noninterest-bearing deposits | 17,765,000 | 17,118,000 | 16,474,000 | 17,675,000 |
| Equity capital | 8,255,000 | 8,635,000 | 8,877,000 | 8,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 472,000 | 940,000 | 1,401,000 | 1,870,000 |
| Interest expense | 32,000 | 65,000 | 91,000 | 118,000 |
| Net interest income | 440,000 | 875,000 | 1,310,000 | 1,752,000 |
| Noninterest income | 248,000 | 499,000 | 752,000 | 1,007,000 |
| Noninterest expense | 498,000 | 992,000 | 1,509,000 | 1,926,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 190,000 | 382,000 | 553,000 | 839,000 |
| Income tax | 9,000 | 17,000 | 26,000 | -2,000 |
| Net income | 181,000 | 365,000 | 527,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,666,000 | 7,851,000 | 8,012,000 | 7,859,000 |
| Total capital | 7,839,000 | 8,023,000 | 8,185,000 | 8,028,000 |
| Risk-weighted assets | 20,626,000 | 21,363,000 | 21,290,000 | 23,030,000 |
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