Call reports 2008
BANK OF ZACHARY — 2008
What BANK OF ZACHARY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 157,231,000 | 149,853,000 | 150,083,000 | 151,976,000 |
| Total loans | 66,596,000 | 67,925,000 | 70,196,000 | 72,769,000 |
| Allowance for loan losses | 665,000 | 695,000 | 590,000 | 624,000 |
| Securities available for sale | 75,001,000 | 72,823,000 | 70,301,000 | 70,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,420,000 | 119,714,000 | 121,981,000 | 120,060,000 |
| Interest-bearing deposits | 98,208,000 | 88,956,000 | 87,161,000 | 86,465,000 |
| Noninterest-bearing deposits | 30,212,000 | 30,758,000 | 34,820,000 | 33,595,000 |
| Equity capital | 13,278,000 | 12,618,000 | 13,124,000 | 13,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,137,000 | 4,288,000 | 6,353,000 | 8,474,000 |
| Interest expense | 943,000 | 1,773,000 | 2,515,000 | 3,164,000 |
| Net interest income | 1,194,000 | 2,515,000 | 3,838,000 | 5,310,000 |
| Noninterest income | 295,000 | 573,000 | 845,000 | 1,113,000 |
| Noninterest expense | 994,000 | 2,052,000 | 3,131,000 | 4,293,000 |
| Provision for loan losses | 20,000 | 80,000 | 150,000 | 225,000 |
| Pretax income | 475,000 | 956,000 | 1,402,000 | 1,905,000 |
| Income tax | 106,000 | 215,000 | 311,000 | 431,000 |
| Net income | 369,000 | 741,000 | 1,091,000 | 1,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,486,000 | 12,583,000 | 12,932,000 | 13,016,000 |
| Total capital | 13,151,000 | 13,278,000 | 13,522,000 | 13,640,000 |
| Risk-weighted assets | 74,879,000 | 74,550,000 | 75,896,000 | 78,703,000 |
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