Call reports 2022
ZAVALA COUNTY BANK — 2022
What ZAVALA COUNTY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 85,419,000 | 82,188,000 | 83,384,000 | 83,870,000 |
| Total loans | 8,068,000 | 8,146,000 | 8,245,000 | 9,241,000 |
| Allowance for loan losses | 116,000 | 115,000 | 115,000 | 114,000 |
| Securities available for sale | 49,851,000 | 44,606,000 | 43,269,000 | 45,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,971,000 | 75,833,000 | 77,011,000 | 76,418,000 |
| Interest-bearing deposits | 43,040,000 | 40,472,000 | 42,604,000 | 41,734,000 |
| Noninterest-bearing deposits | 33,931,000 | 35,361,000 | 34,407,000 | 34,684,000 |
| Equity capital | 8,368,000 | 6,257,000 | 6,304,000 | 7,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 353,000 | 754,000 | 1,245,000 | 1,896,000 |
| Interest expense | 9,000 | 19,000 | 36,000 | 65,000 |
| Net interest income | 344,000 | 735,000 | 1,209,000 | 1,831,000 |
| Noninterest income | 233,000 | 481,000 | 732,000 | 1,231,000 |
| Noninterest expense | 454,000 | 923,000 | 1,406,000 | 1,968,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 123,000 | 293,000 | 535,000 | 1,094,000 |
| Income tax | 4,000 | 7,000 | 11,000 | 171,000 |
| Net income | 119,000 | 286,000 | 524,000 | 923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,064,000 | 10,231,000 | 10,468,000 | 10,568,000 |
| Total capital | 10,180,000 | 10,346,000 | 10,583,000 | 10,682,000 |
| Risk-weighted assets | 22,179,000 | 21,212,000 | 21,062,000 | 23,528,000 |