Call reports 2021
ZAVALA COUNTY BANK — 2021
What ZAVALA COUNTY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 81,297,000 | 80,893,000 | 81,204,000 | 80,964,000 |
| Total loans | 7,797,000 | 8,075,000 | 8,167,000 | 9,758,000 |
| Allowance for loan losses | 122,000 | 120,000 | 120,000 | 116,000 |
| Securities available for sale | 52,031,000 | 51,952,000 | 53,319,000 | 53,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,488,000 | 71,132,000 | 71,218,000 | 70,289,000 |
| Interest-bearing deposits | 42,532,000 | 41,658,000 | 41,257,000 | 41,776,000 |
| Noninterest-bearing deposits | 28,955,000 | 29,474,000 | 29,961,000 | 28,513,000 |
| Equity capital | 9,591,000 | 9,575,000 | 9,782,000 | 10,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 316,000 | 629,000 | 970,000 | 1,323,000 |
| Interest expense | 14,000 | 27,000 | 39,000 | 49,000 |
| Net interest income | 302,000 | 602,000 | 931,000 | 1,274,000 |
| Noninterest income | 228,000 | 477,000 | 727,000 | 1,036,000 |
| Noninterest expense | 443,000 | 906,000 | 1,342,000 | 1,859,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 88,000 | 174,000 | 316,000 | 451,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 87,000 |
| Net income | 87,000 | 172,000 | 312,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,679,000 | 9,764,000 | 9,904,000 | 9,945,000 |
| Total capital | 9,801,000 | 9,884,000 | 10,024,000 | 10,061,000 |
| Risk-weighted assets | 19,348,000 | 19,824,000 | 20,426,000 | 23,798,000 |