Call reports 2014
BANK OF ZACHARY — 2014
What BANK OF ZACHARY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 198,947,000 | 196,992,000 | 197,295,000 | 197,438,000 |
| Total loans | 91,377,000 | 93,765,000 | 95,290,000 | 102,087,000 |
| Allowance for loan losses | 1,232,000 | 1,212,000 | 1,214,000 | 1,242,000 |
| Securities available for sale | 93,864,000 | 90,614,000 | 88,906,000 | 86,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,988,000 | 171,961,000 | 168,402,000 | 164,275,000 |
| Interest-bearing deposits | 113,446,000 | 111,584,000 | 110,838,000 | 109,757,000 |
| Noninterest-bearing deposits | 57,542,000 | 60,377,000 | 57,563,000 | 54,518,000 |
| Equity capital | 18,538,000 | 19,047,000 | 19,628,000 | 19,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,906,000 | 3,805,000 | 5,751,000 | 7,734,000 |
| Interest expense | 155,000 | 300,000 | 444,000 | 585,000 |
| Net interest income | 1,751,000 | 3,505,000 | 5,307,000 | 7,149,000 |
| Noninterest income | 237,000 | 458,000 | 694,000 | 1,002,000 |
| Noninterest expense | 1,423,000 | 2,883,000 | 4,381,000 | 5,948,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 565,000 | 1,080,000 | 1,620,000 | 2,143,000 |
| Income tax | 110,000 | 204,000 | 307,000 | 408,000 |
| Net income | 455,000 | 876,000 | 1,313,000 | 1,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,166,000 | 18,262,000 | 18,699,000 | 18,771,000 |
| Total capital | 19,308,000 | 19,412,000 | 19,855,000 | 19,997,000 |
| Risk-weighted assets | 91,304,000 | 91,949,000 | 92,396,000 | 98,075,000 |
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