Call reports 2019
ZAVALA COUNTY BANK — 2019
What ZAVALA COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 66,521,000 | 66,066,000 | 69,231,000 | 75,438,000 |
| Total loans | 8,680,000 | 8,701,000 | 8,741,000 | 9,546,000 |
| Allowance for loan losses | 131,000 | 130,000 | 128,000 | 128,000 |
| Securities available for sale | 43,096,000 | 45,562,000 | 44,029,000 | 41,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,568,000 | 56,350,000 | 59,178,000 | 65,091,000 |
| Interest-bearing deposits | 38,027,000 | 36,781,000 | 37,424,000 | 43,440,000 |
| Noninterest-bearing deposits | 19,541,000 | 19,569,000 | 21,753,000 | 21,651,000 |
| Equity capital | 8,803,000 | 9,426,000 | 9,714,000 | 9,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 953,000 | 1,421,000 | 1,878,000 |
| Interest expense | 52,000 | 107,000 | 163,000 | 218,000 |
| Net interest income | 421,000 | 846,000 | 1,258,000 | 1,660,000 |
| Noninterest income | 248,000 | 510,000 | 774,000 | 1,067,000 |
| Noninterest expense | 483,000 | 979,000 | 1,466,000 | 1,975,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 377,000 | 565,000 | 751,000 |
| Income tax | 0 | 0 | 0 | 80,000 |
| Net income | 186,000 | 377,000 | 565,000 | 671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,291,000 | 9,472,000 | 9,662,000 | 9,327,000 |
| Total capital | 9,422,000 | 9,602,000 | 9,790,000 | 9,455,000 |
| Risk-weighted assets | 18,534,000 | 18,878,000 | 18,420,000 | 19,569,000 |