Call reports 2012
BANK OF ZACHARY — 2012
What BANK OF ZACHARY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 195,762,000 | 212,248,000 | 192,144,000 | 184,043,000 |
| Total loans | 76,675,000 | 79,778,000 | 84,502,000 | 87,094,000 |
| Allowance for loan losses | 1,320,000 | 1,319,000 | 1,397,000 | 1,299,000 |
| Securities available for sale | 109,851,000 | 122,954,000 | 94,759,000 | 88,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,832,000 | 171,232,000 | 159,953,000 | 155,526,000 |
| Interest-bearing deposits | 123,098,000 | 131,385,000 | 117,929,000 | 113,823,000 |
| Noninterest-bearing deposits | 41,734,000 | 39,847,000 | 42,024,000 | 41,703,000 |
| Equity capital | 18,127,000 | 18,547,000 | 19,067,000 | 18,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,928,000 | 3,931,000 | 5,904,000 | 7,745,000 |
| Interest expense | 229,000 | 467,000 | 691,000 | 877,000 |
| Net interest income | 1,699,000 | 3,464,000 | 5,213,000 | 6,868,000 |
| Noninterest income | 209,000 | 413,000 | 611,000 | 830,000 |
| Noninterest expense | 1,317,000 | 2,618,000 | 3,933,000 | 5,256,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 516,000 | 1,109,000 | 1,821,000 | 2,297,000 |
| Income tax | 130,000 | 277,000 | 457,000 | 503,000 |
| Net income | 386,000 | 832,000 | 1,364,000 | 1,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,385,000 | 16,530,000 | 17,063,000 | 16,842,000 |
| Total capital | 17,465,000 | 17,656,000 | 18,151,000 | 17,929,000 |
| Risk-weighted assets | 86,189,000 | 89,882,000 | 86,704,000 | 86,782,000 |