Call reports 2025
ZAVALA COUNTY BANK — 2025
What ZAVALA COUNTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 76,018,000 | 73,197,000 | 78,390,000 | 77,833,000 |
| Total loans | 6,362,000 | 6,602,000 | 7,719,000 | 8,052,000 |
| Allowance for loan losses | 111,000 | 100,000 | 107,000 | 107,000 |
| Securities available for sale | 46,211,000 | 42,643,000 | 44,342,000 | 47,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,030,000 | 64,834,000 | 68,777,000 | 68,264,000 |
| Interest-bearing deposits | 40,122,000 | 36,376,000 | 36,408,000 | 37,151,000 |
| Noninterest-bearing deposits | 27,908,000 | 28,458,000 | 32,369,000 | 31,113,000 |
| Equity capital | 7,798,000 | 8,109,000 | 9,393,000 | 9,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 679,000 | 1,384,000 | 2,086,000 | 2,864,000 |
| Interest expense | 82,000 | 164,000 | 247,000 | 332,000 |
| Net interest income | 597,000 | 1,220,000 | 1,839,000 | 2,532,000 |
| Noninterest income | 234,000 | 474,000 | 722,000 | 966,000 |
| Noninterest expense | 544,000 | 1,068,000 | 1,590,000 | 2,197,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 287,000 | 626,000 | 970,000 | 1,300,000 |
| Income tax | 46,000 | 91,000 | 137,000 | 227,000 |
| Net income | 241,000 | 535,000 | 833,000 | 1,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,212,000 | 11,497,000 | 11,795,000 | 11,634,000 |
| Total capital | 11,325,000 | 11,599,000 | 11,905,000 | 11,743,000 |
| Risk-weighted assets | 18,917,000 | 18,859,000 | 19,226,000 | 20,237,000 |