Call reports 2020
ZAVALA COUNTY BANK — 2020
What ZAVALA COUNTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 74,815,000 | 79,744,000 | 80,323,000 | 80,014,000 |
| Total loans | 8,187,000 | 7,955,000 | 8,086,000 | 9,277,000 |
| Allowance for loan losses | 129,000 | 125,000 | 124,000 | 124,000 |
| Securities available for sale | 44,367,000 | 48,183,000 | 50,384,000 | 51,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,618,000 | 68,565,000 | 69,209,000 | 69,604,000 |
| Interest-bearing deposits | 41,532,000 | 42,192,000 | 41,740,000 | 43,197,000 |
| Noninterest-bearing deposits | 23,086,000 | 26,373,000 | 27,469,000 | 26,407,000 |
| Equity capital | 9,769,000 | 10,651,000 | 10,623,000 | 9,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 472,000 | 844,000 | 1,189,000 | 1,524,000 |
| Interest expense | 54,000 | 89,000 | 115,000 | 133,000 |
| Net interest income | 418,000 | 755,000 | 1,074,000 | 1,391,000 |
| Noninterest income | 246,000 | 453,000 | 674,000 | 912,000 |
| Noninterest expense | 476,000 | 937,000 | 1,410,000 | 1,894,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 189,000 | 272,000 | 338,000 | 409,000 |
| Income tax | 0 | 0 | 0 | -7,000 |
| Net income | 189,000 | 272,000 | 338,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,517,000 | 9,666,000 | 9,732,000 | 9,124,000 |
| Total capital | 9,646,000 | 9,791,000 | 9,856,000 | 9,248,000 |
| Risk-weighted assets | 18,207,000 | 18,577,000 | 18,803,000 | 20,544,000 |