Call reports 2015
ZAVALA COUNTY BANK — 2015
What ZAVALA COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 74,217,000 | 68,749,000 | 66,021,000 | 71,622,000 |
| Total loans | 10,344,000 | 10,148,000 | 10,502,000 | 11,089,000 |
| Allowance for loan losses | 170,000 | 168,000 | 156,000 | 147,000 |
| Securities available for sale | 45,925,000 | 45,981,000 | 41,852,000 | 41,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,368,000 | 59,200,000 | 56,063,000 | 61,634,000 |
| Interest-bearing deposits | 45,226,000 | 40,498,000 | 37,657,000 | 42,274,000 |
| Noninterest-bearing deposits | 19,142,000 | 18,702,000 | 18,406,000 | 19,360,000 |
| Equity capital | 8,914,000 | 8,767,000 | 9,072,000 | 8,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 455,000 | 918,000 | 1,381,000 | 1,829,000 |
| Interest expense | 25,000 | 51,000 | 76,000 | 104,000 |
| Net interest income | 430,000 | 867,000 | 1,305,000 | 1,725,000 |
| Noninterest income | 233,000 | 480,000 | 738,000 | 985,000 |
| Noninterest expense | 479,000 | 956,000 | 1,456,000 | 1,886,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 214,000 | 424,000 | 623,000 | 875,000 |
| Income tax | 9,000 | 17,000 | 26,000 | 2,000 |
| Net income | 205,000 | 407,000 | 597,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,063,000 | 8,265,000 | 8,456,000 | 8,212,000 |
| Total capital | 8,233,000 | 8,433,000 | 8,612,000 | 8,359,000 |
| Risk-weighted assets | 22,426,000 | 22,504,000 | 22,247,000 | 22,892,000 |