Call reports 2016
ZAVALA COUNTY BANK — 2016
What ZAVALA COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 76,005,000 | 72,726,000 | 70,281,000 | 70,095,000 |
| Total loans | 9,958,000 | 9,997,000 | 9,485,000 | 10,064,000 |
| Allowance for loan losses | 148,000 | 148,000 | 140,000 | 137,000 |
| Securities available for sale | 40,314,000 | 42,088,000 | 43,461,000 | 41,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,191,000 | 62,657,000 | 60,179,000 | 61,078,000 |
| Interest-bearing deposits | 46,961,000 | 45,204,000 | 43,193,000 | 44,312,000 |
| Noninterest-bearing deposits | 19,230,000 | 17,453,000 | 16,986,000 | 16,766,000 |
| Equity capital | 9,002,000 | 9,219,000 | 9,263,000 | 8,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 444,000 | 880,000 | 1,321,000 | 1,759,000 |
| Interest expense | 35,000 | 71,000 | 115,000 | 157,000 |
| Net interest income | 409,000 | 809,000 | 1,206,000 | 1,602,000 |
| Noninterest income | 229,000 | 467,000 | 711,000 | 949,000 |
| Noninterest expense | 485,000 | 951,000 | 1,434,000 | 1,867,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 164,000 | 364,000 | 527,000 | 723,000 |
| Income tax | 9,000 | 17,000 | 26,000 | -32,000 |
| Net income | 155,000 | 347,000 | 501,000 | 755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,367,000 | 8,559,000 | 8,714,000 | 8,467,000 |
| Total capital | 8,515,000 | 8,707,000 | 8,854,000 | 8,604,000 |
| Risk-weighted assets | 21,633,000 | 21,405,000 | 21,405,000 | 21,786,000 |