Call reports 2011
BANK OF ZACHARY — 2011
What BANK OF ZACHARY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 178,716,000 | 185,947,000 | 184,271,000 | 182,698,000 |
| Total loans | 77,421,000 | 78,500,000 | 75,550,000 | 77,914,000 |
| Allowance for loan losses | 1,545,000 | 1,433,000 | 1,432,000 | 1,361,000 |
| Securities available for sale | 91,943,000 | 96,488,000 | 98,722,000 | 93,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,930,000 | 153,902,000 | 162,663,000 | 155,344,000 |
| Interest-bearing deposits | 122,364,000 | 116,822,000 | 124,554,000 | 117,425,000 |
| Noninterest-bearing deposits | 35,566,000 | 37,080,000 | 38,110,000 | 37,919,000 |
| Equity capital | 16,048,000 | 16,961,000 | 17,925,000 | 17,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,942,000 | 3,960,000 | 6,005,000 | 7,942,000 |
| Interest expense | 293,000 | 578,000 | 832,000 | 1,068,000 |
| Net interest income | 1,649,000 | 3,382,000 | 5,173,000 | 6,874,000 |
| Noninterest income | 206,000 | 437,000 | 659,000 | 914,000 |
| Noninterest expense | 1,272,000 | 2,600,000 | 3,917,000 | 5,364,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 583,000 | 1,219,000 | 1,915,000 | 2,424,000 |
| Income tax | 146,000 | 305,000 | 479,000 | 560,000 |
| Net income | 437,000 | 914,000 | 1,436,000 | 1,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,221,000 | 15,398,000 | 15,920,000 | 15,998,000 |
| Total capital | 16,298,000 | 16,480,000 | 16,955,000 | 17,058,000 |
| Risk-weighted assets | 85,706,000 | 86,213,000 | 82,434,000 | 84,513,000 |