Call reports 2024
ZAVALA COUNTY BANK — 2024
What ZAVALA COUNTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 81,774,000 | 77,213,000 | 76,801,000 | 75,047,000 |
| Total loans | 7,691,000 | 6,696,000 | 6,810,000 | 6,937,000 |
| Allowance for loan losses | 112,000 | 112,000 | 112,000 | 107,000 |
| Securities available for sale | 43,886,000 | 42,955,000 | 42,479,000 | 42,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,749,000 | 68,478,000 | 66,649,000 | 67,256,000 |
| Interest-bearing deposits | 40,919,000 | 36,600,000 | 35,369,000 | 36,621,000 |
| Noninterest-bearing deposits | 32,830,000 | 31,878,000 | 31,280,000 | 30,635,000 |
| Equity capital | 7,820,000 | 8,563,000 | 9,903,000 | 7,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,554,000 | 2,258,000 | 2,983,000 |
| Interest expense | 83,000 | 167,000 | 247,000 | 332,000 |
| Net interest income | 683,000 | 1,387,000 | 2,011,000 | 2,651,000 |
| Noninterest income | 244,000 | 484,000 | 743,000 | 1,002,000 |
| Noninterest expense | 545,000 | 1,090,000 | 1,639,000 | 4,152,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 382,000 | 781,000 | 1,113,000 | -502,000 |
| Income tax | 47,000 | 91,000 | 137,000 | -155,000 |
| Net income | 335,000 | 690,000 | 976,000 | -347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,053,000 | 12,407,000 | 12,694,000 | 10,970,000 |
| Total capital | 12,165,000 | 12,519,000 | 12,809,000 | 11,080,000 |
| Risk-weighted assets | 20,903,000 | 19,564,000 | 19,304,000 | 18,725,000 |