Call reports 2009
BANK OF ZACHARY — 2009
What BANK OF ZACHARY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 175,768,000 | 167,203,000 | 169,351,000 | 173,130,000 |
| Total loans | 72,196,000 | 72,765,000 | 73,377,000 | 75,938,000 |
| Allowance for loan losses | 658,000 | 793,000 | 945,000 | 1,104,000 |
| Securities available for sale | 70,309,000 | 81,232,000 | 79,010,000 | 87,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,685,000 | 147,125,000 | 147,987,000 | 151,883,000 |
| Interest-bearing deposits | 115,082,000 | 115,082,000 | 116,451,000 | 120,148,000 |
| Noninterest-bearing deposits | 32,603,000 | 32,043,000 | 31,536,000 | 31,736,000 |
| Equity capital | 14,514,000 | 14,336,000 | 15,358,000 | 15,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,070,000 | 4,196,000 | 6,437,000 | 8,600,000 |
| Interest expense | 626,000 | 1,222,000 | 1,788,000 | 2,338,000 |
| Net interest income | 1,444,000 | 2,974,000 | 4,649,000 | 6,262,000 |
| Noninterest income | 290,000 | 531,000 | 806,000 | 1,000,000 |
| Noninterest expense | 1,194,000 | 2,468,000 | 3,715,000 | 5,124,000 |
| Provision for loan losses | 95,000 | 230,000 | 380,000 | 480,000 |
| Pretax income | 445,000 | 807,000 | 1,360,000 | 1,658,000 |
| Income tax | 99,000 | 168,000 | 303,000 | 398,000 |
| Net income | 346,000 | 639,000 | 1,057,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,362,000 | 13,380,000 | 13,798,000 | 13,726,000 |
| Total capital | 14,020,000 | 14,173,000 | 14,743,000 | 14,803,000 |
| Risk-weighted assets | 83,076,000 | 81,938,000 | 84,225,000 | 86,132,000 |
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