Call reports 2023
ZAVALA COUNTY BANK — 2023
What ZAVALA COUNTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 86,735,000 | 86,640,000 | 83,697,000 | 83,722,000 |
| Total loans | 7,657,000 | 7,518,000 | 7,877,000 | 8,441,000 |
| Allowance for loan losses | 114,000 | 114,000 | 114,000 | 113,000 |
| Securities available for sale | 46,091,000 | 46,632,000 | 47,081,000 | 46,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,421,000 | 78,995,000 | 76,425,000 | 75,465,000 |
| Interest-bearing deposits | 42,734,000 | 42,628,000 | 42,494,000 | 40,263,000 |
| Noninterest-bearing deposits | 36,687,000 | 36,367,000 | 33,931,000 | 35,202,000 |
| Equity capital | 7,224,000 | 7,501,000 | 7,009,000 | 7,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 696,000 | 1,480,000 | 2,242,000 | 3,047,000 |
| Interest expense | 40,000 | 102,000 | 178,000 | 259,000 |
| Net interest income | 656,000 | 1,378,000 | 2,064,000 | 2,788,000 |
| Noninterest income | 241,000 | 488,000 | 741,000 | 1,155,000 |
| Noninterest expense | 517,000 | 1,067,000 | 1,606,000 | 2,180,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 380,000 | 799,000 | 1,199,000 | 1,763,000 |
| Income tax | 7,000 | 26,000 | 209,000 | 314,000 |
| Net income | 373,000 | 773,000 | 990,000 | 1,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,939,000 | 11,341,000 | 11,557,000 | 11,717,000 |
| Total capital | 11,053,000 | 11,455,000 | 11,671,000 | 11,830,000 |
| Risk-weighted assets | 21,918,000 | 21,791,000 | 21,917,000 | 21,888,000 |