Call reports 2004
BANK OF ZACHARY — 2004
What BANK OF ZACHARY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 109,500,000 | 112,992,000 | 129,251,000 | 126,106,000 |
| Total loans | 48,116,000 | 47,492,000 | 48,322,000 | 48,322,000 |
| Allowance for loan losses | 1,046,000 | 1,059,000 | 1,087,000 | 675,000 |
| Securities available for sale | 52,178,000 | 52,308,000 | 71,691,000 | 68,946,000 |
| Securities held to maturity | 0 | 0 | 1,527,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,089,000 | 102,729,000 | 105,819,000 | 101,009,000 |
| Interest-bearing deposits | 74,407,000 | 76,968,000 | 81,448,000 | 77,554,000 |
| Noninterest-bearing deposits | 23,682,000 | 25,761,000 | 24,371,000 | 23,455,000 |
| Equity capital | 10,875,000 | 9,956,000 | 10,752,000 | 10,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,355,000 | 2,635,000 | 4,004,000 | 5,495,000 |
| Interest expense | 373,000 | 744,000 | 1,150,000 | 1,622,000 |
| Net interest income | 982,000 | 1,891,000 | 2,854,000 | 3,873,000 |
| Noninterest income | 245,000 | 532,000 | 775,000 | 957,000 |
| Noninterest expense | 919,000 | 1,844,000 | 2,761,000 | 3,736,000 |
| Provision for loan losses | 45,000 | 90,000 | 132,000 | 132,000 |
| Pretax income | 263,000 | 489,000 | 736,000 | 962,000 |
| Income tax | 58,000 | 101,000 | 147,000 | 182,000 |
| Net income | 205,000 | 388,000 | 589,000 | 780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,569,000 | 10,477,000 | 10,678,000 | 10,594,000 |
| Total capital | 11,190,000 | 11,107,000 | 11,349,000 | 11,260,000 |
| Risk-weighted assets | 49,217,000 | 49,987,000 | 53,285,000 | 53,301,000 |
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