Call reports 2010
BANK OF ZACHARY — 2010
What BANK OF ZACHARY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 174,226,000 | 169,202,000 | 177,030,000 | 170,300,000 |
| Total loans | 75,298,000 | 75,697,000 | 76,913,000 | 75,949,000 |
| Allowance for loan losses | 1,228,000 | 1,344,000 | 1,485,000 | 1,559,000 |
| Securities available for sale | 80,279,000 | 83,083,000 | 92,708,000 | 85,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,734,000 | 152,317,000 | 155,372,000 | 147,509,000 |
| Interest-bearing deposits | 123,326,000 | 120,023,000 | 121,344,000 | 114,903,000 |
| Noninterest-bearing deposits | 34,408,000 | 32,293,000 | 34,028,000 | 32,605,000 |
| Equity capital | 15,361,000 | 15,649,000 | 16,395,000 | 15,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,085,000 | 4,070,000 | 6,073,000 | 8,057,000 |
| Interest expense | 507,000 | 946,000 | 1,301,000 | 1,609,000 |
| Net interest income | 1,578,000 | 3,124,000 | 4,772,000 | 6,448,000 |
| Noninterest income | 269,000 | 500,000 | 761,000 | 1,040,000 |
| Noninterest expense | 1,411,000 | 2,670,000 | 3,922,000 | 5,192,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 621,000 | 1,134,000 | 1,641,000 | 2,176,000 |
| Income tax | 155,000 | 284,000 | 411,000 | 563,000 |
| Net income | 466,000 | 850,000 | 1,230,000 | 1,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,193,000 | 14,301,000 | 14,681,000 | 14,784,000 |
| Total capital | 15,263,000 | 15,352,000 | 15,745,000 | 15,842,000 |
| Risk-weighted assets | 85,444,000 | 83,780,000 | 84,733,000 | 84,158,000 |