Call reports 2005
BANK OF ZACHARY — 2005
What BANK OF ZACHARY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 125,136,000 | 120,478,000 | 123,383,000 | 114,962,000 |
| Total loans | 49,022,000 | 48,652,000 | 49,773,000 | 51,111,000 |
| Allowance for loan losses | 733,000 | 771,000 | 830,000 | 896,000 |
| Securities available for sale | 67,285,000 | 63,481,000 | 58,102,000 | 56,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,828,000 | 101,209,000 | 106,883,000 | 104,208,000 |
| Interest-bearing deposits | 79,997,000 | 78,605,000 | 80,745,000 | 77,248,000 |
| Noninterest-bearing deposits | 25,831,000 | 22,604,000 | 26,138,000 | 26,960,000 |
| Equity capital | 10,309,000 | 10,548,000 | 10,563,000 | 10,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,494,000 | 2,965,000 | 4,384,000 | 5,852,000 |
| Interest expense | 465,000 | 934,000 | 1,427,000 | 1,916,000 |
| Net interest income | 1,029,000 | 2,031,000 | 2,957,000 | 3,936,000 |
| Noninterest income | 207,000 | 473,000 | 772,000 | 1,034,000 |
| Noninterest expense | 921,000 | 1,873,000 | 2,782,000 | 3,705,000 |
| Provision for loan losses | 60,000 | 120,000 | 195,000 | 260,000 |
| Pretax income | 255,000 | 511,000 | 752,000 | 1,005,000 |
| Income tax | 45,000 | 90,000 | 129,000 | 185,000 |
| Net income | 210,000 | 421,000 | 623,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,803,000 | 10,764,000 | 10,967,000 | 10,889,000 |
| Total capital | 11,478,000 | 11,418,000 | 11,646,000 | 11,557,000 |
| Risk-weighted assets | 53,934,000 | 52,171,000 | 54,138,000 | 53,217,000 |
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