Call reports 2003
BANK OF ZACHARY — 2003
What BANK OF ZACHARY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 107,781,000 | 107,746,000 | 107,234,000 | 109,751,000 |
| Total loans | 50,499,000 | 51,590,000 | 50,801,000 | 52,049,000 |
| Allowance for loan losses | 1,108,000 | 1,115,000 | 1,133,000 | 1,020,000 |
| Securities available for sale | 46,485,000 | 48,282,000 | 47,209,000 | 49,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,378,000 | 95,018,000 | 96,309,000 | 95,673,000 |
| Interest-bearing deposits | 71,241,000 | 71,960,000 | 73,356,000 | 73,701,000 |
| Noninterest-bearing deposits | 24,137,000 | 23,058,000 | 22,953,000 | 21,972,000 |
| Equity capital | 11,878,000 | 10,660,000 | 10,366,000 | 10,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,471,000 | 2,900,000 | 4,248,000 | 5,608,000 |
| Interest expense | 424,000 | 830,000 | 1,222,000 | 1,607,000 |
| Net interest income | 1,047,000 | 2,070,000 | 3,026,000 | 4,001,000 |
| Noninterest income | 257,000 | 529,000 | 817,000 | 1,036,000 |
| Noninterest expense | 876,000 | 1,824,000 | 2,805,000 | 3,627,000 |
| Provision for loan losses | 61,000 | 113,000 | 144,000 | 174,000 |
| Pretax income | 404,000 | 727,000 | 959,000 | 1,301,000 |
| Income tax | 119,000 | 207,000 | 260,000 | 344,000 |
| Net income | 285,000 | 520,000 | 699,000 | 957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,577,000 | 10,203,000 | 10,381,000 | 10,364,000 |
| Total capital | 12,210,000 | 10,836,000 | 11,012,000 | 11,010,000 |
| Risk-weighted assets | 50,098,000 | 50,163,000 | 49,960,000 | 51,285,000 |
Machine access — free, no API key
Every figure shown here about BANK OF ZACHARY — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.