Call reports 2013
BANK OF ZACHARY — 2013
What BANK OF ZACHARY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 191,779,000 | 188,546,000 | 197,713,000 | 196,069,000 |
| Total loans | 86,038,000 | 87,313,000 | 89,609,000 | 92,151,000 |
| Allowance for loan losses | 1,334,000 | 1,306,000 | 1,229,000 | 1,277,000 |
| Securities available for sale | 84,433,000 | 90,741,000 | 94,738,000 | 95,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,697,000 | 161,197,000 | 170,384,000 | 159,979,000 |
| Interest-bearing deposits | 125,442,000 | 118,522,000 | 117,735,000 | 107,698,000 |
| Noninterest-bearing deposits | 43,255,000 | 42,675,000 | 52,649,000 | 52,281,000 |
| Equity capital | 18,825,000 | 17,708,000 | 17,675,000 | 17,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,729,000 | 3,480,000 | 5,292,000 | 7,226,000 |
| Interest expense | 178,000 | 356,000 | 518,000 | 671,000 |
| Net interest income | 1,551,000 | 3,124,000 | 4,774,000 | 6,555,000 |
| Noninterest income | 214,000 | 431,000 | 548,000 | 713,000 |
| Noninterest expense | 1,335,000 | 2,685,000 | 4,074,000 | 5,425,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 430,000 | 870,000 | 1,248,000 | 1,793,000 |
| Income tax | 108,000 | 218,000 | 312,000 | 324,000 |
| Net income | 322,000 | 652,000 | 936,000 | 1,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,164,000 | 17,194,000 | 17,478,000 | 17,711,000 |
| Total capital | 18,260,000 | 18,304,000 | 18,618,000 | 18,848,000 |
| Risk-weighted assets | 87,406,000 | 88,590,000 | 91,077,000 | 90,811,000 |