Call reports 2006
BANK OF ZACHARY — 2006
What BANK OF ZACHARY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 124,518,000 | 119,857,000 | 123,920,000 | 121,071,000 |
| Total loans | 52,629,000 | 54,463,000 | 57,909,000 | 60,087,000 |
| Allowance for loan losses | 896,000 | 886,000 | 869,000 | 874,000 |
| Securities available for sale | 54,103,000 | 57,659,000 | 55,673,000 | 53,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,711,000 | 107,954,000 | 110,487,000 | 109,700,000 |
| Interest-bearing deposits | 84,673,000 | 79,258,000 | 80,553,000 | 80,266,000 |
| Noninterest-bearing deposits | 29,038,000 | 28,696,000 | 29,934,000 | 29,434,000 |
| Equity capital | 10,400,000 | 10,094,000 | 10,848,000 | 10,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,502,000 | 3,099,000 | 4,767,000 | 6,454,000 |
| Interest expense | 508,000 | 1,045,000 | 1,639,000 | 2,241,000 |
| Net interest income | 994,000 | 2,054,000 | 3,128,000 | 4,213,000 |
| Noninterest income | 279,000 | 571,000 | 860,000 | 1,144,000 |
| Noninterest expense | 937,000 | 1,908,000 | 2,911,000 | 3,929,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 336,000 | 717,000 | 1,077,000 | 1,428,000 |
| Income tax | 70,000 | 158,000 | 232,000 | 323,000 |
| Net income | 266,000 | 559,000 | 845,000 | 1,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,154,000 | 11,173,000 | 11,459,000 | 11,444,000 |
| Total capital | 11,846,000 | 11,861,000 | 12,178,000 | 12,169,000 |
| Risk-weighted assets | 55,182,000 | 54,811,000 | 57,376,000 | 57,994,000 |
Machine access — free, no API key
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